# EDGAR Filing Document

**Accession Number:** 0002100736
**File Stem:** 0000929638-26-000561
**Filing Date:** 2026-2
**Character Count:** 3249678
**Document Hash:** 0df8c137e99e116b8ba537ac88ce49a0
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000929638-26-000561.hdr.sgml**: 20260210

**ACCESSION NUMBER**: 0000929638-26-000561

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

**PUBLIC DOCUMENT COUNT**: 46

**CONFORMED PERIOD OF REPORT**: 20260210

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

**FILED AS OF DATE**: 20260210

**DATE AS OF CHANGE**: 20260210

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

**ABS ASSET CLASS**: Commercial mortgages

**FILER**: 

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

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-08294
- **FILM NUMBER:** 26616721

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

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

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

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

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

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

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

#### UNITED STATES

#### SECURITIES AND EXCHANGE COMMISSION

#### Washington, D.C. 20549

#### FORM ABS-15G

#### ASSET-BACKED SECURITIZER

#### REPORT PURSUANT TO SECTION 15G OF

#### THE SECURITIES EXCHANGE ACT OF 1934

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

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

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

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

contact in connection with this filing.

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

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

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

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

Central Index Key Number of depositor: 0002100736

Central Index Key Number of sponsor: 0002100731

<u>Aspire Mortgage Trust 2026-1</u>

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

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

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

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

contact in connection with this filing.

------

#### INFORMATION TO BE INCLUDED IN THE REPORT

---

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

---

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

------

#### SIGNATURES

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

Dated: February 10, 2026

---

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

---

------

#### EXHIBIT INDEX

<u>Exhibit Number</u>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.20 Opus Capital Markets Consultants, LLC ("Opus") Executive Narrative

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.21 Opus Standard Findings Report

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.27 Opus Data Compare Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.28 Clarifii LLC ("Clarifii") Executive Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.29 Clarifii Valuation Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.30 Clarifii Supplemental Data Extract

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.31 Clarifii Rating Agency Grades Summary Report

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.33 Clarifii Data Compare Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.34 Clarifii Business Purpose Supplement Extract

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.35 Clarifii ATR OR QM Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.36 Report of Independent Accountants on Applying Agreed-Upon Procedures, dated February 9, 2026

## Exhibit 99.1

![](clayton_logo.gif)

SPIRE 2026-1 <br>

![](clayton_cover.jpg)

### Due Diligence Narrative Report

### <br>

### February 5, 2026<br>

### <br>

------

![](clayton_logo.gif)

 **TABLE OF CONTENTS**

<br> ---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2**  |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **2**<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Sampling* | *3* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Sponsor Acquisition Criteria* | *3* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Loan Grading* | *3*<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *TPR Component Review Scope* | *4*<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Credit Review | 4<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Property Valuation Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Data Capture* | *6* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; *Data Integrity* | *6* |
| **Data Compare Results** | **7**  |
| **Clayton Due Diligence Results** | **8**<br>|
| **Clayton Third Party Reports Delivered** | **9**<br>|
| **Appendix A: Credit Review Scope** | **10**  |
| **Appendix B: Origination Appraisal Assessment**<br>| 13  |
| **Appendix C: Regulatory Compliance Review Scope** | **16**<br>|

---

SPIRE 2026-1 Due Diligence Narrative Report Page \| 1 February 5, 2026

------

![](clayton_logo.gif) <br>

#### CLAYTON CONTACT INFORMATION
Client Service Management:

---

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

---

OVERVIEW

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

Aspire Sponsor, LLC ("Aspire") acquired this diligence through a Reliance Letter purchase and selected these loans for the SPIRE 2026-1 transaction.

On behalf of Hometown Equity Mortgage ("Hometown"), Clayton conducted an independent third-party pre-securitization due diligence review of 65 residential loans. The due diligence for Hometown (65 loans) took place between July, 2025 and November, 2025.

Aspire Sponsor, LLC ("Aspire") acquired this diligence through a Reliance Letter purchase and selected these loans for the SPIRE 2026-1 transaction.

On behalf of Aspire, Clayton conducted an independent third-party pre-securitization due diligence review of 97 residential loans selected for the SPIRE 2026-1 transaction. The due diligence for Aspire (109 loans) took place between May, 2025 and October, 2025.

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

ORIGINATORS

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **Percentage** |
| Broker | 106 | 61.99% |
| Retail | 65 | 38.01% |
| **Total** | **171** | **100.00%** |

---

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

SPIRE 2026-1 Due Diligence Narrative Report Page \| 2 February 5, 2026

------

![](clayton_logo.gif)

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

SAMPLING

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

Review Type Loan Counts:

---

| | | |
|:---|:---|:---|
| ***Review Type*** | ***Loan Count*<br> *Reviewed by Clayton***  | ***Scope Applied*** |
| **Full Review** | 171<br>| Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| **Total Loan Population** | 171<br>|  |

---

SPONSOR ACQUISITION CRITERIA

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

LOAN GRADING

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

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

------

 <sup></sup> 

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

SPIRE 2026-1 Due Diligence Narrative Report Page \| 3 February 5, 2026

------

![](clayton_logo.gif)

TPR COMPONENT REVIEW SCOPE

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

CREDIT REVIEW<br>

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

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

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

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

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

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

---

| | |
|:---|:---|
| ◾ | Examined Data Verify risk evaluation report, which was ordered and received by Clayton for income, employment, Nationwide Multistate Licensing System and Registry ("NMLS") and occupancy status alerts. Clayton researched alert information against loan documentation and assigned loan conditions accordingly. |

---

PROPERTY VALUATION REVIEW<br>

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

<br> ◾ Original Appraisal Assessment

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

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

◾ Value Supported Analysis

Clayton applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product.

For loans reviewed in a post-close valuation review scenario:

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

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

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

SPIRE 2026-1 Due Diligence Narrative Report Page \| 4 February 5, 2026

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![](clayton_logo.gif)

REGULATORY COMPLIANCE REVIEW<br>

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

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

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

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

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

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

<br> - TIL APR and Finance charge tolerances;

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

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

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

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

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

---

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

---

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

<br> - Prepayment Penalty restrictions.

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

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

<br> - GFE initial disclosure timing and content;

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

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

<br> - Homeownership Counseling Notice;

<br> - Affiliated Business Disclosure if applicable.

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

SPIRE 2026-1 Due Diligence Narrative Report Page \| 5 February 5, 2026

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![](clayton_logo.gif)

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

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

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

DATA CAPTURE

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

DATA INTEGRITY

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

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

◾ Loan Reviewer collects validated loan data in eCLAS;

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

◾ Discrepancies found during comparison are stored

SPIRE 2026-1 Due Diligence Narrative Report Page \| 6 February 5, 2026

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![](clayton_logo.gif) <br>

DATA COMPARE RESULTS

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

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| **Field Name** | **#** | **Accuracy %** |
| Combined LTV | 28 | 83.63% |
| Credit Report Date | 1 | 99.42% |
| Debt to Income Ratio (Back) | 10 | 94.15% |
| Ever in Foreclosure | 2 | 98.83% |
| Number of Units | 1 | 99.42% |
| Original Appraisal Date | 7 | 95.91% |
| Original Appraised Value | 2 | 98.83% |
| Original LTV | 14 | 91.81% |
| Property Type | 10 | 94.15% |

---

SPIRE 2026-1 Due Diligence Narrative Report Page \| 7 February 5, 2026

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![](clayton_logo.gif)

CLAYTON DUE DILIGENCE RESULTS

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

#### Initial and Final Overall Loan Grade Results

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 70 | 1 | 16 | 27 | **114** |
| **Final** | **B** |  | 9 | 22 | 26 | **57** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **70** | **10** | **38**<br>| **53** | **171** |

---

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

#### Initial and Final Credit Component Grade Results

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 84 | 3 | 16 | 17 | **120** |
| **Final** | B |  | 14 | 17 | 20 | **51** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **84** | **17** | **33** | **37** | **171** |

---

#### Initial and Final Property Valuation Grade Results

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 150 |  |  | 14 | **164** |
| **Final** | B |  | 1 | 4 | 2 | **7** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **150** | **1** | **4** | **16** | **171** |

---

#### Initial and Final Regulatory Compliance Grade Results

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 91 |  | 5 | 7 | **103** |
| **Final** | B |  |  | 6 |  | **6** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **91** | **0** | **11** | **7** | **109** |

---

The total count of loans that received a compliance review (109 loans) varies from the overall pool count (171 loans) due to investor loans not having applicability for compliance results.

&nbsp;&nbsp;&nbsp;&nbsp;

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CLAYTON THIRD PARTY REPORTS DELIVERED

Clayton furnished the following reports on this transaction:

<br> 1. Narrative Report

<br> 2. Attestation Forms

<br> 3. ASF Upload

<br> 4. ATR QM Upload

<br> 5. Conditions Report

<br> 6. HOA Report

<br> 7. Loan Level Tape Compare Upload

<br> 8. Rating Agency ATR QM Upload

<br> 9. Sale Report

<br> 10. Valuations Summary Reports

<br> 11. Waived Conditions Summary Report

SPIRE 2026-1 Due Diligence Narrative Report Page \| 9 February 5, 2026

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APPENDIX A: CREDIT REVIEW SCOPE

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

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

<br> o DTI

<br> o LTV/TLTV/HLTV

<br> o Credit score

<br> o Income and employment

<br> o Assets and reserves

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

<br> o Borrower eligibility, including:

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

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

<br> o Transaction eligibility, including:

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

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

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

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

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

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

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

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

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

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

<br> - Income documentation

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

<br> - CPA letter

<br> - Business licenses

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

<br> - Other documentation in loan file

<br> o Income review included:

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

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

<br> - IRS Form 4506-T

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

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

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

<br> ◾ Tax returns

<br> ◾ Financial statements

<br> ◾ Paystubs

<br> ◾ W-2s

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<br> ◾ 1099

<br> ◾ IRS documents

<br> ◾ Bank statements

<br> ◾ Lease agreements

<br> ◾ Award letters

<br> ◾ Other documentation in loan file

<br> o Asset review included:

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

<br> ◾ Verification of deposits (VOD)

<br> ◾ Depository account statements

<br> ◾ Stock or security account statements

<br> ◾ Gift funds

<br> ◾ Settlements statements

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

<br> ◾ Other documentation in loan file

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

<br> o Credit Report review included:

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

<br> - Report was dated within required timeframe

<br> - All borrowers were included in the report

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

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

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

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

<br> o Title policy review included:

<br> - Title interest – determined if

<br> ◾ Fee simple

<br> ◾ Leasehold estate

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

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

<br> - Applicable title endorsements were present

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

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

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

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

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

<br> - Seller contributions did not exceed maximum allowed

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

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

<br> - Loan purpose confirmed

<br> o Hazard/Flood insurance review included:

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

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

<br> ◾ Correct borrower

<br> ◾ Correct property

<br> ◾ Correct lender

<br> ◾ Correct loan number

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

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

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

<br> - Confirmed that the mortgagee clause listed the lender's name and "it's successors and assigns"

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

<br> o Mortgage Insurance review included:

<br> - Determined if mortgage insurance is required

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

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

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

<br> o Borrower identity

<br> - Social Security inconsistencies

<br> - Borrower name variations

<br> o Occupancy

<br> - Borrower address history

<br> - Subject property ownership history

<br> o Employment

<br> o Licensing – reviewed NMLS data for:

<br> - Mortgage lender/originator

<br> - Loan officer

<br> o OFAC

SPIRE 2026-1 Due Diligence Narrative Report Page \| 12 February 5, 2026

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APPENDIX B: ORIGINATION APPRAISAL ASSESSMENT<br>

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

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

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

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

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

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

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

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

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

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

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

<br> - Accurate identification of the subject property

<br> - Accurate identification of the subject loan transaction

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

<br> - All required attachments including:

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

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

<br> ◾ Photos of all comparable sales and listings

<br> ◾ Location map

<br> ◾ Exterior sketch of property with dimensions

<br> ◾ 1004MC Market Conditions Report

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

<br> - Appraisal date met supplied Sponsor Acquisition Criteria

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

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

<br> o Title XI of FIRREA:

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

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

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

<br> o USPAP

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

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

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

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

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

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

<br> - Appraised value of the subject was bracketed by the sales prices of the comps and if not the reason was furnished

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

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

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

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

<br> - Property usage was reviewed for zoning compliance

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

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

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

<br> ◾ Location

---

| | |
|:---|:---|
| ◾ | % built up |

---

<br> ◾ Growth rate

<br> ◾ Demand/supply

<br> ◾ Marketing time

<br> ◾ Predominant occupancy

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

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

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

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

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

<br> o 3 to 4 unit owner occupied properties

<br> o 2 to 4 unit second homes

<br> o Unwarrantable or limited review condominiums

<br> o Manufactured or mobile homes

<br> o Condotel units

<br> o Unique properties

<br> o Working farms, ranches or orchards

<br> o Mixed-use properties

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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SPIRE 2026-1 Due Diligence Narrative Report Page \| 15 February 5, 2026

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

#### Federal Law

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;o | ATR/QM Ability to Repay, aka Minimum Standards for Transactions: for applications on all loans in the pool, confirm the loan file contains documentation to evidence the lender considered and verified the borrower has the ability to repay in accordance with the ATR requirements This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. |

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

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

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

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

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

#### STATE, COUNTY and MUNICIPAL LAW

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

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

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

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

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

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

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

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

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

<br> • Puerto Rico (Office Regulation 5722)

<br> • Texas (Texas Finance Code)

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

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

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

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

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

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

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| | |
|:---|:---|
| **Consumer Protection** | **Consumer Protection** |
| Alabama (the "Mini-code") | Nebraska (Mortgage Bankers Registration and Licensing Act and the Installment Loan Act) |
| Hawaii (Financial Services Loan Company Act) | Nevada (AB 440 |
| Idaho (Residential Mortgage Practices Act) | Ohio (Consumer Sales Practices Act; whether the loan is in Summit County) |
| Illinois (both versions of the Cook County Predatory Lending Database; Illinois Residential Mortgage Licensing Act) | Texas (Article XVI, Section 50(a)(6) of the Texas Constitution) |
| Iowa (Consumer Credit Code) | Utah (Consumer Credit Code) |
| Kansas (Consumer Credit Code) | Virginia (Mortgage Lender and Broker Act) |
| Kentucky (HB 552) | Washington (Consumer Loan Act and Responsible Mortgage Lending Act) |
| Maryland (DLLR Regulations, Commercial Law) | West Virginia (Consumer Credit Protection Act) |
| Massachusetts (Attorney General regulations) | Wyoming (Residential Mortgage Practices Act) |
| Michigan (Consumer Mortgage Protection Act) |  |

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See attached Exhibit A - Consumer Protection Laws for additional details on the specific components of the aforementioned Consumer Protection laws that are evaluated as part of the Clayton Compliance Review Scope:

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

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

#### GSE Testing
Clayton can review loans to determine whether they comply with Fannie Mae's and Freddie Mac's Points and Fees threshold tests. These fee limitations of 5% for all loans with application dates prior to 1/10/2014 were reduced to 3% on Primary and Second Homes for applications on or after 1/10/2014. If requested, loans can be reviewed to determine whether the loan is a residential mortgage transaction ineligible for delivery due to its APR or fees exceeding the HOEPA thresholds. Clayton offers Lender Letter and non-traditional mortgage testing for Fannie Mae. (Note: Fannie Mae requires a non-disclosure agreement between the client and Fannie Mae for Clayton to report these results.)

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![](clayton_logo.gif)

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

<br>© 2026 Clayton Services LLC. All rights reserved.

This material is confidential and may not be copied, used, or distributed without the written permission of Clayton Services LLC.

SPIRE 2026-1 Due Diligence Narrative Report Page \| 20<br> February 5, 2026

## Exhibit 99.2

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| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **SPIRE 2026-1** |
| **Start - End Dates:** | **5/5/2025 - 11/26/2025** |
| **Deal Loan Count:** | **171** |
| **ATR QM Upload** |  |
| *Loans in Report:* | *171* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 |
| **Loan Number** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Verification Safe Harbor (VSH)?** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **One or more Verification Safe Harbor Guidelines used?** | **Current/Reasonably Expected Income or Assets per Guideline used?** | **Current Debt Obligations, Alimony & Child Support per Guideline used?** | **Monthly DTI (includes monthly payment on subject loan and simultaneous loans)** | **Monthly Residual Income per guideline used?** | **Compensating Factors used for QM determination documented before closing?** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Asset Depletion** | **Asset Depletion Months Amortized** | **Asset Utilization** | **Partial Asset Depletion** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 2 Personal Guaranty Recourse to Borrower** | **Borrower 3 Guarantor Flag** | **Borrower 3 Personal Guaranty Recourse to Borrower** | **Borrower 4 Guarantor Flag** | **Borrower 4 Personal Guaranty Recourse to Borrower** | **Borrower 1 Paystub Flag** | **Borrower 1 Paystub Number of Months** | **Borrower 2 Paystub Flag** | **Borrower 2 Paystub Number of Months** | **Borrower 3 Paystub Flag** | **Borrower 3 Paystub Number of Months** | **Borrower 4 Paystub Flag** | **Borrower 4 Paystub Number of Months** | **Borrower 1 W2 Flag** | **Borrower 1 W2 Number of Months** | **Borrower 2 W2 Flag** | **Borrower 2 W2 Number of Months** | **Borrower 3 W2 Flag** | **Borrower 3 W2 Number of Months** | **Borrower 4 W2 Flag** | **Borrower 4 W2 Number of Months** | **Borrower 1 Personal Tax Return Flag** | **Borrower 1 Personal Tax Return Number of Months** | **Borrower 2 Personal Tax Return Flag** | **Borrower 2 Personal Tax Return Number of Months** | **Borrower 3 Personal Tax Return Flag** | **Borrower 3 Personal Tax Return Number of Months** | **Borrower 4 Personal Tax Return Flag** | **Borrower 4 Personal Tax Return Number of Months** | **Borrower 1 Business Tax Return Flag** | **Borrower 1 Business Tax Return Number of Months** | **Borrower 2 Business Tax Return Flag** | **Borrower 2 Business Tax Return Number of Months** | **Borrower 3 Business Tax Return Flag** | **Borrower 3 Business Tax Return Number of Months** | **Borrower 4 Business Tax Return Flag** | **Borrower 4 Business Tax Return Number of Months** | **Borrower 1 Verbal VOE Flag** | **Borrower 1 Verbal VOE Number of Months** | **Borrower 2 Verbal VOE Flag** | **Borrower 2 Verbal VOE Number of Months** | **Borrower 3 Verbal VOE Flag** | **Borrower 3 Verbal VOE Number of Months** | **Borrower 4 Verbal VOE Flag** | **Borrower 4 Verbal VOE Number of Months** | **Borrower 1 Written VOE Flag** | **Borrower 1 Written VOE Form** | **Borrower 1 Written VOE Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Form** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Form** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Form** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Prepared By** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Prepared By** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Prepared By** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **Borrower 4 P&L Prepared By** | **Borrower 4 P&L Number of Months** | **Borrower 1 Lease Agreement Flag** | **Borrower 1 Lease Agreement Number of Months** | **Borrower 2 Lease Agreement Flag** | **Borrower 2 Lease Agreement Number of Months** | **Borrower 3 Lease Agreement Flag** | **Borrower 3 Lease Agreement Number of Months** | **Borrower 4 Lease Agreement Flag** | **Borrower 4 Lease Agreement Number of Months** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **Cross Collateralized Loan?** | **Is the Loan a Short-Term Rental?** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **DSCR Method Used** | **Borrower 1 CPA Letter with Income Flag** | **Borrower 1 CPA Letter with Income Number of Months** | **Borrower 1 CPA Letter without Income Flag** | **Borrower 1 CPA Letter without Income Number of Months** | **Borrower 2 CPA Letter with Income Flag** | **Borrower 2 CPA Letter with Income Number of Months** | **Borrower 2 CPA Letter without Income Flag** | **Borrower 2 CPA Letter without Income Number of Months** | **Borrower 3 CPA Letter with Income Flag** | **Borrower 3 CPA Letter with Income Number of Months** | **Borrower 3 CPA Letter without Income Flag** | **Borrower 3 CPA Letter without Income Number of Months** | **Borrower 4 CPA Letter with Income Flag** | **Borrower 4 CPA Letter with Income Number of Months** | **Borrower 4 CPA Letter without Income Flag** | **Borrower 4 CPA Letter without Income Number of Months** | **Borrower 1 Personal Bank Statements Flag** | **Borrower 1 Personal Bank Statements Number of Months** | **Borrower 2 Personal Bank Statements Flag** | **Borrower 2 Personal Bank Statements Number of Months** | **Borrower 3 Personal Bank Statements Flag** | **Borrower 3 Personal Bank Statements Number of Months** | **Borrower 4 Personal Bank Statements Flag** | **Borrower 4 Personal Bank Statements Number of Months** | **Borrower 1 Business Bank Statements Flag** | **Borrower 1 Business Bank Statements Number of Months** | **Borrower 2 Business Bank Statements Flag** | **Borrower 2 Business Bank Statements Number of Months** | **Borrower 3 Business Bank Statements Flag** | **Borrower 3 Business Bank Statements Number of Months** | **Borrower 4 Business Bank Statements Flag** | **Borrower 4 Business Bank Statements Number of Months** | **Borrower 1 Award Letter Flag** | **Borrower 1 Award Letter Number of Months** | **Borrower 2 Award Letter Flag** | **Borrower 2 Award Letter Number of Months** | **Borrower 3 Award Letter Flag** | **Borrower 3 Award Letter Number of Months** | **Borrower 4 Award Letter Flag** | **Borrower 4 Award Letter Number of Months** | **Borrower 1 Offer Letter Flag** | **Borrower 1 Offer Letter Number of Months** | **Borrower 2 Offer Letter Flag** | **Borrower 2 Offer Letter Number of Months** | **Borrower 3 Offer Letter Flag** | **Borrower 3 Offer Letter Number of Months** | **Borrower 4 Offer Letter Flag** | **Borrower 4 Offer Letter Number of Months** | **Borrower 1 IRS Transcripts - Tax Returns Flag** | **Borrower 1 IRS Transcripts - Tax Returns Number of Months** | **Borrower 1 IRS Transcripts - W2s Flag** | **Borrower 1 IRS Transcripts - W2s Number of Months** | **Borrower 2 IRS Transcripts - Tax Returns Flag** | **Borrower 2 IRS Transcripts - Tax Returns Number of Months** | **Borrower 2 IRS Transcripts - W2s Flag** | **Borrower 2 IRS Transcripts - W2s Number of Months** | **Borrower 3 IRS Transcripts - Tax Returns Flag** | **Borrower 3 IRS Transcripts - Tax Returns Number of Months** | **Borrower 3 IRS Transcripts - W2s Flag** | **Borrower 3 IRS Transcripts - W2s Number of Months** | **Borrower 4 IRS Transcripts - Tax Returns Flag** | **Borrower 4 IRS Transcripts - Tax Returns Number of Months** | **Borrower 4 IRS Transcripts - W2s Flag** | **Borrower 4 IRS Transcripts - W2s Number of Months** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 4 Documentation Used to Determine Legal Residency** |
| 409013386 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | High Rise Condo (9+) | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.5579 | No | No | 3.513 | (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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5000.00 | No | (No Data) | 1.1300 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409013387 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 4 Family | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 7.4900 | No | No | 2.996 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 9650.00 | No | (No Data) | 0.9770 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409013436 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | Yes | Yes | 5%, 4%, 3% of UPB in yrs 1,2,3 if amt prepd within 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.2940 | No | No | 6.251 | (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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2800.00 | No | (No Data) | 1.2799 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months;<br> Lease Agreement - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409013464 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | No | Present | QM: Rebuttable Presumption (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.7058 | Yes | Yes | 1.812 | 1.812 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 15.98 | 16.18 | 15.98 | 16.18 | 16.18 | 16.18 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (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) |
| 409013799 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Detached PUD | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of UPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 7.6556 | No | No | 6.461 | (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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2400.00 | No | (No Data) | 1.0400 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409013980 | XXXXX | XXXXX | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.7572 | Yes | Yes | 0.82 | 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 | 7.77 | 7.29 | 7.77 | 7.29 | 7.29 | 7.29 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409014157 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 5200.00 | No | (No Data) | 1.4769 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409014945 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR-Attached | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2500.00 | 1.1700 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409015890 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of UPB | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 3.1 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | Not Applicable | XXXXX | Not Applicable | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2125.00 | No | (No Data) | 0.8600 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409016021 | XXXXX | XXXXX | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.1368 | Yes | Yes | 0.11 | 0.110 | (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 | 22.88 | 18.13 | 22.88 | 22.88 | 22.88 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (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 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016353 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7501 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2000.00 | No | (No Data) | 1.0026 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months;<br> Lease Agreement - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409016611 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2200.00 | No | (No Data) | 1.1018 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409016615 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Detached PUD | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No 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 | 17600.00 | No | (No Data) | 1.7443 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409017016 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 6 mos interest on amt prepd if amt prepd is >20% of OPB | (No Data) | No | Yes | 1 | 6.2500 | No | No | 2.5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 9280.00 | No | (No Data) | 1.2904 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409017211 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Condotel | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1759 | Yes | Yes | 0.173 | 0.173 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.98 | 14.57 | 32.98 | 14.57 | 14.57 | 14.57 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017241 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | XXXXX | 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 | 7.6251 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 3750.00 | 1.0625 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 409017322 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Detached PUD | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 11400.00 | No | (No Data) | 1.1150 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409017401 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1950.00 | 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) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409017876 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | Yes | No | No | Yes | 3%, 2%, 1% of amt prepd in yr 1,2,3 | (No Data) | No | Yes | 1 | 7.3750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2100.00 | No | (No Data) | 1.1600 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409017882 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | Yes | No | No | Yes | 3%, 2%, 1% of amt prepd in yr 1,2,3 | (No Data) | No | Yes | 1 | 7.3750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1755.00 | No | (No Data) | 1.1750 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409017885 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 1800.00 | 1.3200 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 409017888 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Investor | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% UPB if amt ppd in 12 mos > 20% OPB | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | 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 | 0.00 | No | (No Data) | 1.6300 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409017898 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | Yes | No | No | Yes | 3%, 2%, 1% of amt prepd in yr 1,2,3 | (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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1980.00 | No | (No Data) | 1.6058 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409017900 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | Yes | No | No | Yes | 3%, 2%, 1% of amt prepd in yr 1,2,3 | (No Data) | No | Yes | 1 | 7.2499 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1935.00 | No | (No Data) | 1.1068 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409017964 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1300.00 | No | (No Data) | 1.3235 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409017970 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 2 Family | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 1% of UPB | (No Data) | No | Yes | 1 | 8.3750 | No | No | 1 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1200.00 | Yes | 1200.00 | 1.0100 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409018554 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 4 Family | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4295.00 | No | (No Data) | 1.2398 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409018746 | XXXXX | XXXXX | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.3441 | Yes | Yes | 3.054 | 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 | 40.25 | 39.68 | 40.25 | 39.68 | 39.68 | 39.68 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | CPA | 13 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (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 - 13 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 409018863 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 3.438 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 6000.00 | No | (No Data) | 1.0260 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409018866 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 6.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2868.00 | No | (No Data) | 1.4030 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409018996 | XXXXX | XXXXX | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 9.5246 | Yes | Yes | 3.766 | 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 | 40 | 40.4 | 40 | 40.4 | 40.4 | 40.4 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | 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> Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409018997 | XXXXX | XXXXX | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.1925 | Yes | Yes | 2.718 | 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 | 32.29 | 32.29 | 32.29 | 32.29 | 32.29 | 32.29 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) |
| 409019004 | XXXXX | XXXXX | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 9.7549 | No | No | 4.699 | 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 | 47.79 | 47.05 | 47.79 | 47.05 | 47.05 | 47.05 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 5 | 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) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 5 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409019038 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 6185.00 | No | (No Data) | 2.2296 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409019050 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 9.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1700.00 | No | (No Data) | 1.1318 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409019081 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | 4 Family | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8951 | No | No | 0.133 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 53.97 | 53.97 | 53.97 | 53.97 | 53.97 | 53.97 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 1 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (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 - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409019085 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 3 Family | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4400.00 | No | (No Data) | 1.4821 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409019095 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.2499 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4400.00 | No | (No Data) | 1.1672 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409019099 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 2827.80 | No | (No Data) | 0.7564 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409019179 | XXXXX | XXXXX | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.3482 | Yes | Yes | 0.495 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 34.86 | 34.86 | 34.86 | 34.86 | 34.86 | 34.86 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409019213 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | 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 | 16400.00 | No | (No Data) | 5.2761 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409019252 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Detached PUD | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8751 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5500.00 | No | (No Data) | 1.4090 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409019260 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | 3 Family | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 6450.00 | No | (No Data) | 1.0116 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409019262 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | 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) | 1.0353 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409019264 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3000.00 | No | (No Data) | 1.2098 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409019317 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR-Attached | XXXXX | 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 | 7.5001 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1600.00 | No | (No Data) | 1.2580 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409019319 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR-Attached | XXXXX | 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 | 7.7501 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1350.00 | No | (No Data) | 1.1068 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409019323 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6251 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2900.00 | No | (No Data) | 1.1516 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409019325 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No 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 | 16800.00 | No | (No Data) | 5.1511 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409019330 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR-Attached | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2500.00 | 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) |
| 409019358 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 1900.00 | 1.2664 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 409019368 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | Yes | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1800.00 | No | (No Data) | 1.2715 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409019372 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | High Rise Condo (9+) | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7382 | No | No | 7.37 | (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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 6000.00 | 0.9318 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 409019417 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.3708 | Yes | Yes | 0.735 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.76 | 38.92 | 38.76 | 38.92 | 38.92 | 38.92 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | 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) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No 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 - 24 months | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409019522 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | No | Present | QM: Rebuttable Presumption (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.5825 | Yes | Yes | 0.347 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 20.22 | 20.23 | 20.22 | 20.23 | 20.23 | 20.23 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409019570 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1251 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 4771.20 | No | (No Data) | 1.5729 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409019577 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (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) | 1.7678 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409020698 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 3.438 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 8000.00 | No | (No Data) | 3.3642 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409020763 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8751 | 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 | 38.16 | 0 | 38.16 | 38.16 | 38.16 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 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> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409020806 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR-Attached | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No 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 | 4800.00 | No | (No Data) | 1.2520 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409020819 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6898 | No | No | 2.831 | 2.831 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.06 | 46.05 | 48.06 | 46.05 | 46.05 | 46.05 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Green Card | (No Data) | (No Data) | (No Data) |
| 409021191 | XXXXX | XXXXX | XXXXX | XXXXX | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Attached PUD | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1251 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Unknown | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (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) | 1.0500 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409021243 | XXXXX | XXXXX | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.3246 | Yes | Yes | 3.276 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 35.52 | 31.47 | 35.53 | 31.47 | 31.46 | 31.46 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409021327 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 9408.61 | No | (No Data) | 1.4869 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409021337 | XXXXX | XXXXX | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.1888 | Yes | Yes | 2.173 | 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 | 36.76 | 36.63 | 36.76 | 36.63 | 36.63 | 36.63 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) |
| 409021340 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2000.00 | No | (No Data) | 1.2647 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409021349 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8433 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 3000.00 | 1.1670 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 409021355 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1100.00 | No | (No Data) | 1.0657 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409021359 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3% on amt prepd in yr 1,2,3 | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | 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) | 1.3526 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409021371 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.8433 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3000.00 | No | (No Data) | 1.1720 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409021375 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 3% of amt prepd | (No Data) | No | Yes | 1 | 7.3750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3600.00 | No | (No Data) | 0.9390 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409021379 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Attached PUD | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | 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 | 7600.00 | No | (No Data) | 2.0371 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409021383 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | High Rise Condo (9+) | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | 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 | 3566.00 | No | (No Data) | 2.4318 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409021390 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 3 Family | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3200.00 | No | (No Data) | 1.3504 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409021404 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2700.00 | No | (No Data) | 1.0385 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409021411 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3% on amt prepd in yr 1,2,3 | (No Data) | Yes | Yes | 1 | 7.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | 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) | 1.1972 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409021438 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2400.00 | No | (No Data) | 1.1496 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409021455 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Detached PUD | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | 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 | Yes | Yes | 4120.00 | No | (No Data) | 1.9615 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409021461 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | (No Data) | (No Data) | Investor | Detached PUD | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | Yes | 60 | Yes | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4100.00 | 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 | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409021478 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 2300.00 | No | (No Data) | 1.0935 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409021483 | XXXXX | XXXXX | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.8384 | No | Yes | 3.073 | 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 | 42.41 | 51.04 | 42.41 | 51.04 | 51.04 | 51.04 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | 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) |
| 409021486 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | Permanent Resident Alien | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | 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 | 1825.00 | No | (No Data) | 1.2519 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 409021502 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 3 Family | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 19227.73 | No | (No Data) | 1.9318 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409021517 | XXXXX | XXXXX | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.3694 | Yes | Yes | 2.206 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 30.02 | 30.02 | 30.02 | 30.02 | 30.02 | 30.02 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 84 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 84 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409021518 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Attached PUD | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | 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 | 1900.00 | No | (No Data) | 1.2425 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409021524 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | 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 | 8506.00 | No | (No Data) | 1.1062 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409021533 | XXXXX | XXXXX | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.2937 | Yes | Yes | 2.846 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 16.33 | 20.4 | 16.33 | 20.4 | 20.4 | 20.4 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 60 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409021556 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 4231.00 | No | (No Data) | 2.2472 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409021559 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR-Attached | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (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) | 1.3166 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409021562 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.0000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | 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 | 5653.00 | 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 | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409021563 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 3634.00 | No | (No Data) | 1.4256 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409021597 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2410.00 | No | (No Data) | 1.4526 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409021598 | XXXXX | XXXXX | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.5036 | Yes | Yes | 3.305 | 3.336 | (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 | 30.19 | 30.19 | 30.19 | 30.19 | 30.19 | 30.19 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Tax Preparer | 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) | P & L - 12 months | (No Data) | (No Data) | (No Data) | Employment Authorization Document | (No Data) | (No Data) | (No Data) |
| 409021621 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2500.00 | No | (No Data) | 1.5187 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409021679 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 4 Family | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 5898.82 | 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) |
| 409021739 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | No | (No Data) | (No Data) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Attached PUD | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2014 | No | No | 0.56 | (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) | Yes | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2125.00 | No | (No Data) | 1.0100 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409021783 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Detached PUD | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No 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 | 4241.67 | No | (No Data) | 1.2722 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409021805 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | Non-Resident Alien | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2100.00 | 1.2350 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 409021814 | XXXXX | XXXXX | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.0024 | No | No | 3.066 | 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 | 44.52 | 44.21 | 44.52 | 44.21 | 44.21 | 44.21 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409021844 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | 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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1425.00 | No | (No Data) | 1.8350 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409022010 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3%, 2%, 1% of amt prepd in yr 1,2,3 | (No Data) | No | Yes | 1 | 7.0000 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 9600.00 | No | (No Data) | 2.1939 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409022109 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | Permanent Resident Alien | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | Yes | 0 | Yes | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 6 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Personal Bank Statements - 6 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 409022276 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.4115 | Yes | Yes | 2.596 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 4.75 | 4.88 | 4.75 | 4.88 | 4.88 | 4.88 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409022278 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | No | Present | ATR/QM: Exempt | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.3931 | Yes | Yes | 0.144 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.84 | 42.68 | 42.84 | 42.68 | 42.68 | 42.68 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 32 | Yes | Independent Third Party (The Work Number, Equifax etc) | 32 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 - 32 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 32 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409022316 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 3100.00 | 1.4500 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) | Green Card | (No Data) |
| 409023441 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Attached PUD | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1750.00 | No | (No Data) | 0.9500 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409023480 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 3 Family | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of OPB in year 1,2,3,4,5 | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | 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 Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (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 | 5100.00 | 1.3900 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409023700 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | No | Present | QM: Rebuttable Presumption (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.1411 | No | No | 0.521 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.7 | 45.56 | 45.7 | 45.56 | 45.56 | 45.56 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409023784 | XXXXX | XXXXX | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 6.8040 | No | No | 3.171 | 3.171 | (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 | 43.72 | 43.76 | 73.7 | 43.76 | 43.76 | 43.76 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409023805 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 4 Family | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.5000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 19200.00 | No | (No Data) | 1.0653 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409023883 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 5.6251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2740.00 | No | (No Data) | 1.8150 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409023890 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7835 | Yes | Yes | 3.972 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.54 | 31.54 | 31.54 | 31.54 | 31.54 | 31.54 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (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) | 1099 - 12 months;<br> IRS Transcripts – W2(s) - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409023945 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | Permanent Resident Alien | (No Data) | Investor | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (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 | 1300.00 | 1.4640 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) | Green Card | (No Data) | (No Data) |
| 409023954 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | No | Present | QM: Rebuttable Presumption (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.1024 | No | Yes | 1.801 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 17.58 | 45.99 | 17.58 | 45.99 | 45.99 | 45.99 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409024048 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1600.00 | No | (No Data) | 1.7556 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409024062 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6250 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 10.78 | 0 | 10.78 | 10.78 | 10.78 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | 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 - 1 months | Business Bank Statements - 12 months;<br> CPA Letter - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409024181 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2% of UPB in year 1,2,3,4 | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2000.00 | 0.9176 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 409024197 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2890 | Yes | Yes | 1.819 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.87 | 40.87 | 40.87 | 40.87 | 40.87 | 40.87 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | 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) | Award Letter - 12 months;<br> Offer Letter - 12 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409024227 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 3 Family | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | 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 | 8030.00 | No | (No Data) | 1.5566 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409024238 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | Present | ATR/QM: Not Provided | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 6.8791 | Yes | Yes | 4.394 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 11.92 | 11.92 | 11.92 | 11.92 | 11.92 | 11.92 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409024308 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.4479 | Yes | Yes | 1.916 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.54 | 27.3 | 27.54 | 27.3 | 27.3 | 27.3 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409024310 | XXXXX | XXXXX | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | ATR/QM: Not Provided | XXXXX | Permanent Resident Alien | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.7895 | Yes | Yes | 3.751 | 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 | 38.36 | 36.27 | 38.36 | 36.27 | 36.27 | 36.27 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 9 | 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) | Business Bank Statements - 9 months;<br> CPA Letter - 1 months | Business Bank Statements - 2 months;<br> CPA Letter - 1 months | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 409024314 | XXXXX | XXXXX | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXX | Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.7451 | Yes | Yes | 3.164 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 24.15 | 24.15 | 24.15 | 24.15 | 24.15 | 24.15 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 409024329 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.2499 | No | No | 3.625 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | 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 | 2350.00 | No | (No Data) | 0.9087 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409024332 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Mid Rise Condo (5-8) | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 7.1251 | No | No | 2.85 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 4282.00 | No | (No Data) | 1.2614 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409024348 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | No | Not Provided | QM: Rebuttable Presumption (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.6815 | Yes | Yes | 1.598 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.01 | 33.26 | 31.01 | 33.26 | 33.26 | 33.26 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 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) | 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 - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409024354 | XXXXX | XXXXX | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 9.4583 | Yes | No | 2.094 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 23.78 | 0 | 23.78 | 23.78 | 23.78 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409024372 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | Rowhouse | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 6 mos interest on amt prepd in 12 mos that is >20% of OPB | (No Data) | No | Yes | 1 | 7.6250 | No | No | 3.05 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 1500.00 | 1.5500 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 409024412 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | 2 Family | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5400.00 | No | (No Data) | 1.1580 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409024553 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9962 | Yes | Yes | 2.972 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.78 | 37.64 | 39.78 | 37.64 | 37.64 | 37.64 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409024649 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | Permanent Resident Alien | (No Data) | Investor | Detached PUD | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 5% of UPB | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 6375.00 | No | (No Data) | 0.8970 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Green Card | (No Data) | (No Data) |
| 409024665 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | 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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1550.00 | No | (No Data) | 1.3768 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409024865 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 3 Family | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 8500.00 | No | (No Data) | 1.2251 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409024872 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.1250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1200.00 | No | (No Data) | 1.1386 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409024890 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Detached PUD | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (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 | 15000.00 | 0.9933 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 409024899 | XXXXX | XXXXX | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.3237 | Yes | Yes | 0.598 | 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 | 40.43 | 40.82 | 40.43 | 40.82 | 40.82 | 40.82 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) | Personal Bank Statements - 13 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409024912 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | High Rise Condo (9+) | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8751 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2600.00 | No | (No Data) | 1.0601 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409024934 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 6134.00 | No | (No Data) | 2.5428 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409024940 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3200.00 | No | (No Data) | 1.0037 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409024945 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2600.00 | No | (No Data) | 1.1053 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409024952 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.0001 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1900.00 | No | (No Data) | 1.2852 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409024961 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | 3 Family | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 7900.00 | No | (No Data) | 1.2598 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409025000 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | Permanent Resident Alien | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | 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 | 1845.00 | No | (No Data) | 1.1610 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409025002 | XXXXX | XXXXX | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8990 | Yes | Yes | 1.869 | 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 | 29.09 | 29.09 | 29.09 | 29.09 | 29.09 | 29.09 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 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 - 40 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025003 | XXXXX | XXXXX | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.9682 | Yes | Yes | 4.632 | 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 | 17.45 | 17.45 | 17.45 | 17.45 | 17.45 | 17.45 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025007 | XXXXX | XXXXX | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.4241 | Yes | Yes | 3.162 | 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 | 20.35 | 20.35 | 20.35 | 20.35 | 20.35 | 20.35 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025011 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | Non-Permanent Resident Alien | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | 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) | 1.1977 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409025016 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 3 Family | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3% on amt prepd in yr 1,2,3 | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | 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 | 6500.00 | No | (No Data) | 1.1925 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409025020 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | 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 | 6400.00 | No | (No Data) | 1.3352 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409025040 | XXXXX | XXXXX | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.6215 | Yes | Yes | 1.559 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | Yes | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 29.25 | 29.25 | 29.25 | 29.25 | 29.25 | 29.25 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025050 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Detached PUD | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No 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 | 8280.00 | No | (No Data) | 1.8317 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409025055 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | 2 Family | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.7501 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | 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 | 1350.00 | No | (No Data) | 1.2558 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409025058 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | 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 | 4766.00 | No | (No Data) | 1.5587 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409025109 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | High Rise Condo (9+) | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1251 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (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 | 4800.00 | 1.0200 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 409025130 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Detached PUD | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2700.00 | No | (No Data) | 1.0597 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409025314 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | 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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 11500.00 | No | (No Data) | 1.0284 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409025318 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3200.00 | No | (No Data) | 1.7575 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409025328 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4000.00 | No | (No Data) | 1.9400 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025330 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | 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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1150.00 | No | (No Data) | 1.4158 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409025345 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | Non-Resident Alien | (No Data) | Investor | Detached PUD | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | No | No | 3.375 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | Not Applicable | XXXXX | Not Applicable | XXXXX | No | Yes | Unknown | Yes | Unknown | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (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 | 2700.00 | 1.2770 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025348 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2100.00 | No | (No Data) | 1.0959 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409025349 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Attached PUD | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 6 mos interest if amt prepd in 12 mos that is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 3.438 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2000.00 | No | (No Data) | 1.0141 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409025373 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | Detached PUD | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 8250.00 | No | (No Data) | 4.7093 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025431 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | 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) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 1250.00 | 1.0770 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 409025590 | XXXXX | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.6792 | Yes | Yes | 0.265 | 0.265 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 10.13 | 8.48 | 10.13 | 8.48 | 8.48 | 8.48 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025780 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | SFR | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (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 | 1600.00 | 1.4844 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No 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) |
| 409025799 | XXXXX | XXXXX | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.4426 | Yes | No | 2.848 | 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 | 46.36 | 47.83 | 46.36 | 40.35 | 40.35 | 40.35 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | 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 - 12 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025949 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 8.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2000.00 | No | (No Data) | 1.1160 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409026011 | XXXXX | XXXXX | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5126 | Yes | Yes | 1.383 | 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 | 37.02 | 37.13 | 37.02 | 37.13 | 37.13 | 37.13 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026412 | XXXXX | XXXXX | XXXXX | XXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | XXXXX | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1350.00 | No | (No Data) | 1.2677 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| 409026526 | XXXXX | XXXXX | XXXXX | XXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | Attached PUD | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 6.8593 | No | No | 3.568 | 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 | 50 | 50 | 50 | 50 | 50 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | No | XXXXX | No | XXXXX | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |

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<br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.<br>

## Exhibit 99.3

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| | | | |
|:---|:---|:---|:---|
| **Client Name:** |  |  |  |
| **Client Project Name:** | **SPIRE 2026-1** | **SPIRE 2026-1** |  |
| **Start - End Dates:** | **5/5/2025 - 11/26/2025** | **5/5/2025 - 11/26/2025** |  |
| **Deal Loan Count:** | **171** |  |  |
| **Conditions Report 2.0** |  |  |  |
| ***Loans in Report:*** | *171* |  |  |
| ***Loans with Conditions:*** | *103* |  |  |
| **0 - Total Active Conditions** | **0 - Total Active Conditions** |  |  |
| **143 - Total Satisfied Conditions** | **143 - Total Satisfied Conditions** |  |  |
|  |  | 89 - Credit Review Scope | 89 - Credit Review Scope |
|  |  |  | 4 - Category: Ability to Repay/Qualified Mortgage |
|  |  |  | 6 - Category: Application |
|  |  |  | 11 - Category: Assets |
|  |  |  | 4 - Category: Credit/Mtg History |
|  |  |  | 4 - Category: DTI |
|  |  |  | 12 - Category: Income/Employment |
|  |  |  | 10 - Category: Insurance |
|  |  |  | 9 - Category: Legal Documents |
|  |  |  | 1 - Category: LTV/CLTV |
|  |  |  | 26 - Category: Terms/Guidelines |
|  |  |  | 2 - Category: Title |
|  |  | 19 - Property Valuations Review Scope | 19 - Property Valuations Review Scope |
|  |  |  | 16 - Category: Appraisal |
|  |  |  | 3 - Category: Property |
|  |  | 35 - Compliance Review Scope | 35 - Compliance Review Scope |
|  |  |  | 4 - Category: Ability to Repay/Qualified Mortgage |
|  |  |  | 3 - Category: Compliance Manual |
|  |  |  | 1 - Category: Documentation |
|  |  |  | 2 - Category: RESPA |
|  |  |  | 1 - Category: Right of Rescission |
|  |  |  | 24 - Category: TILA/RESPA Integrated Disclosure |
| **82 - Total Waived Conditions** |  |  |  |
|  |  | 68 - Credit Review Scope | 68 - Credit Review Scope |
|  |  |  | 2 - Category: Application |
|  |  |  | 10 - Category: Assets |
|  |  |  | 12 - Category: Credit/Mtg History |
|  |  |  | 2 - Category: DTI |
|  |  |  | 11 - Category: Income/Employment |
|  |  |  | 5 - Category: Insurance |
|  |  |  | 6 - Category: LTV/CLTV |
|  |  |  | 20 - Category: Terms/Guidelines |
|  |  | 7 - Property Valuations Review Scope | 7 - Property Valuations Review Scope |
|  |  |  | 1 - Category: Appraisal |
|  |  |  | 1 - Category: FEMA |
|  |  |  | 5 - Category: Property |
|  |  | 7 - Compliance Review Scope | 7 - Compliance Review Scope |
|  |  |  | 6 - Category: Ability to Repay/Qualified Mortgage |
|  |  |  | 1 - Category: Federal Higher-Priced |
| <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

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|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **SPIRE 2026-1** |
| **Start - End Dates:** | **5/5/2025 - 11/26/2025** |
| **Deal Loan Count:** | **171** |
| **Conditions Report 2.0** |  |
| ***Loans in Report:*** | *171* |
| ***Loans with Conditions:*** | *103* |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 409013386 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> A | N/A | N/A<br> C | N/A | N/A | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER4631 | Loan parameters do not meet guidelines | No | File is missing Guaranty Agreement | 5.7.2025 Client provided executed Guaranty Agreement, XXX% owner | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years XXXmonths at current residence<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX LTV with XXX% MAX<br>|
| 409013387 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> B<br> A | N/A | N/A<br> C<br> B | N/A | N/A | Credit | Income/Employment | Waived<br> C<br> B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | DSCR is XXX and Min required is 1.0 for XXX% LTV; Lender used Higher Operating income schedule $XXX, leases in file are lower $XXX and must be used to qualify $XXX/$XXX= XXX | 5/5 Client provided an approved exception to allow the file with the Operating income statement | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - xxx Comments: Mortgage and credit paid as agreed<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX score with XXX min required<br>|
| 409013387 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> B<br> A | N/A | N/A<br> C<br> B | N/A | N/A | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER4631 | Loan parameters do not meet guidelines | No | File is missing Guaranty Agreement | 5/5 Client provided the Guaranty | Satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - xxx Comments: Mortgage and credit paid as agreed<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX score with XXX min required<br>|
| 409013436 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Credit | Application | Satisfied<br> C<br> A | CRDAPP1813 | Undisclosed non-arm's length transaction | No | Guidelines: 'Non-Arms Length Transactions are not permitted'Per appraisal: "The subject is being sold by an agent, however this is a non arms length transaction." | 7/3 Client provided an Email that "subject property was reviewed by DD and approved prior to close"; Response the appraisal was evaluated for valuation purposes by the xxx appraisal department; This condition is a credit condition along with "must be listed on MLS per exception" which was not in the scope of a pre close appraisal review. Condition remains 7.11.2025 Client provided LOX in collaborate document uploaded however no document found, please re-send. 8/6 Client provided an LOX from Borrowers explaining the relationship and scope of the transaction meeting GLs | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXRequired:XXX months PITI, met<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>|
| 409013436 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Credit | Credit/Mtg History | Waived<br> B | CRDCRMH118 | Mortgage/rental lates exceed guidelines | No | Max 2 x 30 in last XXX months, guidelines require max 1 x 30. | 6/18/25 Approved Client exception in file not applied. Required:1. Subject must be listed on MLS. Per appraisal: Not listed on MLS.2. Must be arm's length.Per appraisal: The subject is being sold by an agent, however this is a non arms length transaction8/6 Client provided an LOX showing the NAL is not a conflict Condition remains for 1. Subject must be listed on MLS. Per appraisal: Not listed on MLS.8.11.2025 Client provided exception approval to allow for 2 x 30 late in most recent XXX months, per guidelines max 1 x 30 and no longer requiring subject to be listed on MLS (per updated approval) | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXRequired:XXX months PITI, met<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>|
| 409013464 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR)<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Credit | Assets | Waived<br> C<br> B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Assets verified for reserves $XXX or XXX months and required is XXX months plus XXX months for 1 REO $XXX (short XXX months reserves for REO) | 5.14.2025 Client provided exception approval for short 3 months reserves for REO | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors, fico score 796, with employer over XXX years. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years XXX months in Business<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX score exceeds XXX Min<br>|
| 409013464 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR)<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Credit | Insurance | Satisfied<br> C<br> A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Verified insurance coverage is $XXX and required coverage is $XXX; provide additional coverage or an Insurance company RCE showing sufficient coverage | 5/14 Client provided the Insurance CO RCE showing sufficient coverage exists | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years XXX months in Business<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX score exceeds XXX Min<br>|
| 409013464 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR)<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Credit | LTV/CLTV | Waived<br> C<br> B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV is XXX and the MAX LTV for a RT REFI using XXX months Business Bank statements is XXX LTV | 5.14.2025 Client provided exception approval for LTV XXX% exceed guidelines maximum of XXX% | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors, fico score 796, with employer over XXXyears. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years XXX months in Business<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX score exceeds XXX Min<br>|
| 409013799 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> A | N/A | N/A<br> C | N/A | N/A | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER4631 | Loan parameters do not meet guidelines | No | File is missing Guaranty Agreement | 6.26.2025 Client provided executed Guaranty Agreement and B2 e signature matches e signature in file | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Good mortgage history 0x30xXXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months<br>|
| 409013980 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.<br>|
| 409014157 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Assets | Satisfied<br> C<br> A | CRDAST205 | Insufficient Funds to Close | No | Borrower is short $XXX to close. Borrower received a gift of $XXX from "Boyfriend" which is not considered a family member, future spouse or domestic partner. Provide additional assets. | 8.5.2025 Client provided documentation to support close Friend/Boyfriend to borrower and using borrower current residence address as his address for some documents and family obituary reflect Borrower as significant other, etc. | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>|
| 409014157 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Assets | Satisfied<br> C<br> A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Borrower is short $XXX in reserves. $XXX x XXX Provide additional assets | 8.5.2025 Client provided documentation to support close Friend/Boyfriend to borrower and using borrower current residence address as his address for some documents and family obituary reflect Borrower as significant other, etc. using $XXX gift funds evidence title receipt, verified reserves XXX months | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>|
| 409014157 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Insurance | Satisfied<br> B<br> A | CRDINSR3278 | Hazard Insurance documentation in file is incomplete | No | All loans will require rent loss insurance covering a minimum of XXX months for the subject property for the greater of in place or market rent during disruption. Binder in file does not appear to have Rent Loss | 7/15 Client provided coverage for short term rentals | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>|
| 409014157 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Legal Documents | Satisfied<br> D<br> A | CRDLGL2422 | Missing Purchase Contract | No | Purchase Contract missing. | 7.14.2025 Client provided executed Sales Contract w/Purchase Price of $XXX executed by all parties. | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>|
| 409014157 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Terms/Guidelines | Waived<br> C<br> B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Borrower Contact Consent Form as required per Guidelines | 8/15/2025 client provided an approved exception. | Upon further review exception is deemed non-material. Loan is a DSCR so borrower can be contacted at primary residence. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>|
| 409014157 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Terms/Guidelines | Waived<br> D<br> B | CRDTER4435 | Missing Condo/Co-op Certificate/Questionnaire | No | Missing Condo Questionnaire or CPM | 7.14.2025 Client provided executed Condo questionnaire and per questionnaire 2 are Primary home 6 are second home and 34 are investor/rented units (34 units are used as short term rentals) Total number of units in project 42 with 34 are investor and per Non Warrantable guidelines, Investor Concentration: For investment property transactions in established projects at least XXX% of the total units in the project must be conveyed to primary residence or second home purchasers. Exceptions allowed case by case to this percentage. Subject Condo appears to be a non warrantable Condo due to investor concentration. 7/15 Client provided the same condo questionnaire; Conditon remains8.18.2025 Client provided exception approval for Non Warrantable Condo due to Investor Concentration | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved B Grade with compensating factors: LTV XXX% with XXXmonths reserves | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>|
| 409014945 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> A | N/A | N/A<br> C | N/A | N/A | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER4631 | Loan parameters do not meet guidelines | No | Missing a copy of executed Guaranty Agreement | 6.26.2025 Client provided executed Guaranty Agreement | condition satisfied | (No Data) | Not Applicable | (No Data) |
| 409015890 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX score with XXX min<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years XXX months at current home<br>|
| 409016021 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> B<br> A | A | A<br> B | A | A | Credit | Credit/Mtg History | Waived<br> B | CRDCRMH118 | Mortgage/rental lates exceed guidelines | No | 2x30 in past XXX months XXX and XXX | 7.24.2025 Client provided exception approval for 2 x 30 day late payment in most recent XXX months | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment XXX years<br>|
| 409016353 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> A | A | A<br> D | A | A | Credit | Assets | Satisfied<br> C<br> A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Per guidelines, provide the following for XXX # XXX business account, may be subject to additional conditions upon review:"Business Funds Requires a copy of the full Operating Agreement that details ownership of the entity and access to funds in the entitys bank/brokerage account.-OR- Requires formal or official documentation from the bank substantiating that the applicant is an authorized signor and has access to business account funds." | 7/25 Client provided a letter from the tax preparer indicating Borrower has XXX% ownership and access to the business funds use of funds will not negatively inpact bsuiness " Condition remains: GLS Requires a copy of the full Operating Agreement that details ownership of the entity and access to funds in the entitys bank/brokerage account.-OR- Requires formal or official documentation from the bank substantiating that the applicant is an authorized signor and has access to business account funds."9.4.2025 Client provided executed copy of business ByLaws and file have Tax preparter letter verifying XXX% and no affect on business use of funds | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>|
| 409016353 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> A | A | A<br> D | A | A | Credit | Insurance | Satisfied<br> D<br> A | CRDINSR3792 | Insurance policy missing Rent Loss/Business Interruption coverage | No | Required per guidelines:'All loans will require rent loss insurance covering a minimum of XXX months for the subject property for the greater of in place or market rent during disruption.'Please provide. | 7/25 Client provided updated insurance with rent loss coverage | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>|
| 409016611 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash Back $XXX, XXX months reserves,XXX months required<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds the minimum of XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months reviewed for subject mtg exceeds the XXX months required<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: XXX% of revolving credit utilized<br>|
| 409016615 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves = $XXX, XXX months. XXX months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is above the required XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Mortgage payment history of XXX months exceeds the required XXX months.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower has minimal use of credit with credit usage ratio of XXX%<br>|
| 409017016 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> A | A | A<br> D | A | A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Missing CDA | 7.31.2025 Client provided 3rd party CDA valuation however address on CDA is XXX. and subject address is XXX condition remains for subject 3rd party CDA valuation 8/7 Client provided a CDA supporting the appraised value with a XXX% variance | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI. 6 months required<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>|
| 409017211 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> C<br> A | D | A<br> D<br> B<br> C | D | A | Compliance | Compliance Manual | Satisfied<br> D<br> A | CMPMAN2956 | Missing disclosure | No | File is missing Page 2 of signed Final CD XXX. Provide complete copy of closing disclosure. | 10/13/2025 Client provided fully executed PCCD XXX with all pages. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months<br>|
| 409017211 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> C<br> A | D | A<br> D<br> B<br> C | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Final LE XXX is not signed and there is no evidence in file of when it was delivered to borrower. Delivery method defaults to the mailbox rule. | 10/13/2025 Client provided Disclosure tracking Summary reflecting Last LE received date XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months<br>|
| 409017211 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> C<br> A | D | A<br> D<br> B<br> C | D | A | Credit | Income/Employment | Satisfied<br> B<br> A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing Verification that bonus income on written VOE is not a mix of RSU income. If RSU is being used, provide RSU documentation. RSU income is capped at XXX% of qualifying income | 10.23.2025 Client provided an updated 1003 using lessor RSU/Bonus income of $XXX and provided 1008 with same updated income and provided an email from employer with breakdown of RSU/bonus income (however right side where figures are is cut off) and provided an updated DU #7 along with Vesting Award history. Condition remains: for legible copy of email from employer to include the right side figures (for calculation) and (b). missing stock price and the XXX-week average for the most recent XXX (XXX) months reporting at time of application. Upon receipt, calculation of RSU/Bonus income is required. 10/26 Client provided an Email However it is still not legible and is missing income figures for calculation; Condition remains for 1. Legible email with income figures , Client also provided a XXX week average stock price dated post close XXX; Condition remains #2 for the XXX week average as of application date, and Condition remains for #3 the Stock price at time of application; Income has not been validated10/28 Client provided the stock price and XXX week average at time of close with supporting income schedule | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months<br>|
| 409017211 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> C<br> A | D | A<br> D<br> B<br> C | D | A | Credit | Terms/Guidelines | Waived<br> C<br> B | CRDTER4631 | Loan parameters do not meet guidelines | No | Investment property is not allowed for Condotels | 10/9 Client provided an approved exception to allow investment property on a Condotel | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Strong reserves, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months<br>|
| 409017241 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> A<br> C | A | A<br> D<br> C | A | A | Credit | Insurance | Satisfied<br> C<br> A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Missing rent loss coverage covering a minimum of XXXmo. for subject property for the greater of the in place or market rent during disruption as required by Aspire Expanded DSCR Program. | 8.26.2025 Client provided duplicate HOI policy however still missing rent loss coverage at minimum of XXX months. Condition remains 8/26 Client asked for a review as policy indicates ALE coverage or additional living expense ; upon review ALE coverage is sufficient as it encompasses loss of rent. | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXXcredit score exceed guideline minimum of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline maximum of XXX%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30xXXX required.<br>|
| 409017241 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> A<br> C | A | A<br> D<br> C | A | A | Property Valuations | Property | Satisfied<br> D<br> A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing the required condo questionnaire. | 8.26.2025 Client provided copy of HOA Condo Questionnaire along with FNMA project approval | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXXcredit score exceed guideline minimum of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline maximum of XXX%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30xXXX required.<br>|
| 409017322 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> A | N/A | N/A<br> D | N/A | N/A | Credit | Legal Documents | Satisfied<br> D<br> A | CRDLGL100 | Legal document incorrect or incomplete | No | Mortgage in file is not signed or notarized. Provide copy of fully executed/notarized Mortgage and Riders | 8/26 Client provided the signed and Notarized DOT, However, the notary is stamped but not dated; provide the fully notarized signed and dated DOT 9/4 Client provided the fully executed notarized and dated DOT | Satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > XXXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX<br>|
| 409017322 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> A | N/A | N/A<br> D | N/A | N/A | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER4631 | Loan parameters do not meet guidelines | No | File is missing Guaranty Agreement | 9/4 Client provided the executed Personal Guraranty | Satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > XXXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX<br>|
| 409017401 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been in the same residence for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX effective/reserves; $XXX \* XXX = $XXX reserves required.<br>|
| 409017876 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> B<br> A | N/A | N/A<br> B | N/A | N/A | Credit | Application | Waived<br> B | CRDAPP5430 | FNMA Application Form is Outdated | No | Missing corrected application for B2 transaction appears to be part of a XXX | 8.11.2025 Client provided LOX stating what is needed for this condition. Response, appears we have the application however transaction appears to be part of a XXX. Condition remains 8/29 Client provided an approved exception to allow the file with the XXX, ineligible borrower per DSCR | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | Not Applicable | Not Applicable | (No Data) |
| 409017882 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | N/A | N/A<br> D<br> B | N/A | N/A | Credit | Application | Satisfied<br> B<br> A | CRDAPP5430 | FNMA Application Form is Outdated | No | File is missing an application for the guarantor. | 9.11.2025 Client provided executed application | Condition satisfied | Not Applicable | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30xXXX required.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>|
| 409017882 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | N/A | N/A<br> D<br> B | N/A | N/A | Credit | Application | Satisfied<br> D<br> A | CRDAPP155 | Application Missing | No | File is missing Borrower Information Form or URLA for the guarantor. | 9.11.2025 Client provided signed application | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30xXXX required.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>|
| 409017882 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | N/A | N/A<br> D<br> B | N/A | N/A | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Loan documents do not meet guideline requirements. Missing Articles of Corporation and Certificate of Good Standing in file for each entity. | 9.11.2025 Client provided Final HUD-1. Initial condition remains 9/12 Client provided SOS showing active status | Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30xXXX required.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>|
| 409017882 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | N/A | N/A<br> D<br> B | N/A | N/A | Credit | Terms/Guidelines | Waived<br> C<br> B | CRDTER4643 | Borrower does not meet guideline requirements | No | Borrowing LLC entity on the Note is XXX XXX and is a XXX and therefore an ineligible borrower for Aspire Expanded DSCR Program. | 8/28 Client provided an approved exception to allow the file with the XXX, ineligible borrower per DSCR | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30xXXX required.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>|
| 409017885 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> B<br> A | N/A | N/A<br> C<br> B | N/A | N/A | Credit | Credit/Mtg History | Satisfied<br> B<br> A | CRDCRMH122 | Foreclosure history does not meet guidelines | No | Lender to verify no foreclosure on XXX | 9/11 Client provided evidence the FC filing was related to divorce prceedings | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Good current and previous mortgage history<br>|
| 409017885 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> B<br> A | N/A | N/A<br> C<br> B | N/A | N/A | Credit | LTV/CLTV | Waived<br> B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | Max LTV XXX%, loan subject LTV XXX% | 8.11.2025 Client provided exception approval for XXX% LTV exceeding guidelines maximum of XXX% | Upon further review by Senior Underwriter, exception is deemed non-material. Exception is approved, B Grade with compensating factors: Fico score XXX and XXX months reserves | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Good current and previous mortgage history<br>|
| 409017885 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> B<br> A | N/A | N/A<br> C<br> B | N/A | N/A | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER4631 | Loan parameters do not meet guidelines | No | Guaranty in file is not executed. Please provide a copy of executed document. | 9/11 Client provided the executed Guaranty form | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Good current and previous mortgage history<br>|
| 409017885 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> B<br> A | N/A | N/A<br> C<br> B | N/A | N/A | Credit | Terms/Guidelines | Waived<br> B | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing 1008 | 8.11.2025 Client provided LOX stating loan is DSCR and not required. Response, condition remains did not locate lender DSCR calculation and is normally reflected on 1008 9/11 Client provided an approved exception to allow the file without the 1008 and lenders DSCR calc | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Good current and previous mortgage history<br>|
| 409017888 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | N/A | N/A<br> D<br> B | N/A | N/A | Credit | Terms/Guidelines | Waived<br> B | CRDTER3490 | Missing Patriot Act form | No | Missing fully executed Patriot Act form. | 8.11.2025 Client provided exception approval for missing executed Patriot Act form with file having copy of ID | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves of $XXX or XXXmonths PITIA for subject property.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: VOM provided shows zero late payments in the last XXX months.<br>|
| 409017888 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | N/A | N/A<br> D<br> B | N/A | N/A | Property Valuations | Property | Satisfied<br> D<br> A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Completed condominium questionnaire (If collateral is part of condominium association) and a copy of the condominium master insurance policy/certificate (If collateral is part of condominium association | 8.11.2025 Client provided completed copy of HOA for Condominium | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves of $XXX or XXXmonths PITIA for subject property.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: VOM provided shows zero late payments in the last XXX months.<br>|
| 409017898 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> C | N/A | N/A<br> D<br> B<br> C | N/A | N/A | Credit | Credit/Mtg History | Waived<br> B | CRDCRMH104 | Credit score below guidelines | No | Missing the XXX (XXX) credit score due to being frozen or locked by applicant; Aspire Expanded DSCR Program requires merged credit information from the 3 major national credit repositories. | 8.15.2025 Client provided exception approval for missing trans union credit score due to being frozen | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.<br>|
| 409017898 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> C | N/A | N/A<br> D<br> B<br> C | N/A | N/A | Credit | Terms/Guidelines | Waived<br> C<br> B | CRDTER4643 | Borrower does not meet guideline requirements | No | Borrowing LLC on the Note is XXX - XXX and is a XXX and therefore an ineligible borrower for Aspire Expanded DSCR Program. | 8/28 Client provided an approved exception to allow the file with the XXX, ineligible borrower per DSCR | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Low LTV, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.<br>|
| 409017898 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> C | N/A | N/A<br> D<br> B<br> C | N/A | N/A | Property Valuations | Appraisal | Waived<br> D<br> B | PRVAAPPR3116 | Missing updated valuation | No | Missing an acceptable appraisal review. File contains 2 desk reviews from XXX and XXX. Guidelines require a secondary valuation from XXX or XXX. | 9.11.2025 Client provided duplicate (in file) subject appraisal along with an Appraisal Risk Review: Fix and Flip and provided an exterior property report. Condition remains for 3rd party valuation supporting appraised value. Per guidelines: Collateral Desktop Analysis (CDA) ordered from XXX, or a Consolidated Collateral Analysis (CCA) ordered from XXX is required to support the value of the appraisal. The Seller is responsible for ordering the CDA9/12 Client provided an approved exception to allow the file without the CDA | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.<br>|
| 409017900 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | N/A | N/A<br> D<br> B | N/A | N/A | Credit | Legal Documents | Satisfied<br> D<br> A | CRDLGL4033 | Missing Legal Document(s) | No | Missing the Personal/Commercial Guaranty for managing member and guarantor XXX. | 8.15.2025 Client provided executed Commercial Guaranty | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30xXXX required.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>|
| 409017900 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | N/A | N/A<br> D<br> B | N/A | N/A | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER4238 | Business entity does not meet guidelines | No | Missing the Articles of Corporation and Certificate of Good Standing for each entity reflected on the Note signature page; XXX and XXX. | 9/12 Client provided the SOS look up and Cert of compliance for both | SAtisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30xXXX required.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>|
| 409017900 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | N/A | N/A<br> D<br> B | N/A | N/A | Credit | Terms/Guidelines | Waived<br> C<br> B | CRDTER4643 | Borrower does not meet guideline requirements | No | Borrowing XXX on the Note is XXX - XXX and is a XXX and therefore an ineligible borrower for Aspire Expanded DSCR Program. | 8/28 Client provided an approved exception to allow the file with the XXX, ineligible borrower per DSCR | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Low LTV, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30xXXX required.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>|
| 409017964 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | DTI | Satisfied<br> D<br> A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Per below, New purchase REO, XXX1. Page 225 combined file: "Credit Combo Loan: Provide copy of Note and Final CD for Loan # XXX, Address _XXX, Loan Amount $ XXX, Payment of $_TBD_"2. Page 266 Borrower Loe : "To Whom it May ConcernI know the seller of those two houses located at XXXrd and XXX Althoughthey were not on the market, we agreed on the sale prices."3. Page 406: listed on 10034. Page 421, EMD: "Originator to Beneficiary Information: XXX AND XXX (subject)"Provide PITIA for XXX. May be subject to additional conditions upon review. | 9/19 Client provided the executed HUD for 1905 Preston confirming PITI $XXX | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years at primary residence<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: 0 x 30 XXX months<br>|
| 409017964 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Per guidelines, please provide below:1. Borrower Contact Consent Form2. Certificate of occupancy | 9.3.2025 Client provided executed Business Purpose & Occupancy Affidavit and Affidavit of Occupancy, condition remains for Borrower Contact Consent Form 9/11 Client provided E consent; File is missing specific Borrower contact consent form required per GLs9/19 Client provided the Borrower Contact consent form | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years at primary residence<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: 0 x 30 XXX months<br>|
| 409017964 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Terms/Guidelines | Waived<br> C<br> B | CRDTER4631 | Loan parameters do not meet guidelines | No | Per Borrower Loe page 266 combined file:"To Whom it May ConcernI know the seller of those two houses located at XXX (subject) and XXX. Although they were not on the market, we agreed on the sale prices."Per guidelines:"Non-Arms Length Transactions are not permitted" | 9.22.2025 Client provided Lender LOX stating: Seller comment: the non arms length it truly is ARM Length. The seller had done business at one point years ago with the buyer and thought to reach out to the to see if theyd would be interested in purchasing these properties. They are not friends, family, business partners. Response, condition remains non arms length transaction are not permitted, there is or was some relationship between both. 10.16.2025 Client provided an unsigned exception request however missing executed exception approval. Condition remains 10/17/2026 client provided uploaded a signed exception form. | Upon further review by Senior underwriter exception is deemed non-material credit score and reserves exceed guidelines. No evidence of any concessions made by seller to borrower. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years at primary residence<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: 0 x 30 XXX months<br>|
| 409017964 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Provide Missing updated valuationCU scores no longer allowed for the Loan Program.Value not yet supported.May be subject to additional conditions upon review. | 9/19 Client provided a CDA supporting the Appraised value with a XXX% variance | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years at primary residence<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: 0 x 30 XXX months<br>|
| 409017970 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> B<br> A | N/A | N/A<br> C<br> B | N/A | N/A | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER4631 | Loan parameters do not meet guidelines | No | File is missing Guaranty Agreement | 8/25 Client provided the executed Guaranty agreement | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX<br>|
| 409017970 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> B<br> A | N/A | N/A<br> C<br> B | N/A | N/A | Credit | Terms/Guidelines | Waived<br> B | CRDTER113 | Loan amount is below guideline minimum | No | XXX Exception provided for Loan amount below guideline minimum | Client provided approved exception dated XXX for Loan amount below guideline minimum | Final Grade of B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX<br>|
| 409018554 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DSCR of XXX exceeds guideline required DSCR of XXX<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has a XXX year history of managing rental properties.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $XXX, required reserves are $XXX.<br>|
| 409018746 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | C | B<br> D<br> A | C | B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> C<br> A | CMPATRQM2906 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage Lender did not document that they considered all ATR UW factors | No | Lender to provide an ATR/QM status determination. | 8.14.2025 Client provided lender 1008 with non QM status | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work<br>|
| 409018746 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | C | B<br> D<br> A | C | B | Compliance | Ability to Repay/Qualified Mortgage | Waived<br> C<br> B | CMPATRQM2970 | TILA - Loan is a non-QM loan with documented ATR UW factors; points and fees exceed client's 3% guideline. | No | Lender to provide an ATR/QM status determination. | 8.14.2025 Client provided Lender 1008 as non-QM however points and fees exceed client's XXX% guidelines. Condition remains.08/27/25 Client requested calculations: The QM Fees total $XXX (which includes the $XXX Broker Fee, $XXX Processing Fee and $XXX Underwriting Fee). That is XXX%. Fees exceed max by $XXX.8/27 Client provided an approved exception to allow the file as NON QM with Fees exceeding XXX% | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work<br>|
| 409018746 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | C | B<br> D<br> A | C | B | Compliance | Ability to Repay/Qualified Mortgage | Waived<br> C<br> B | CMPATRQM2974 | TILA - Loan is a non-QM loan; APR exceeds client's HPCT maximum guideline. | No | Lender to provide an ATR/QM status determination. | 8.14.2025 Client provided lender 1008 with non-QM status however TILA - Loan is a non-QM loan; APR exceeds client's HPCT maximum guideline. Condition remains.08/27/25 Client requested calculations: HPML due to Rate Spread Testing. The Test APR is XXX%. The Benchmark Rate is XXX%. Difference of XXX% exceeds the max allowed of XXX%. | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work<br>|
| 409018746 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | C | B<br> D<br> A | C | B | Compliance | Federal Higher-Priced | Waived<br> C<br> B | CMPFDHP1759 | Federal higher-priced mortgage loan. | No | Lender to provide an ATR/QM status determination. | 8.14.2025 Client provided lender 1008 with non-QM status however TILA - Loan is a non-QM loan and exceed client's XXX% guideline. Condition remain.08/27/25 Client requested calculations: HPML due to Rate Spread Testing. The Test APR is XXX%. The Benchmark Rate is XXX%. Difference of XXX% exceeds the max allowed of XXX%.8/27 Client provided an approved exception to allow the file with fees exceeding XXX% | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work<br>|
| 409018746 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | C | B<br> D<br> A | C | B | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure | 08/15/25 Client provided a signed LOE from Lender stating they do not have affiliated businesses. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work<br>|
| 409018746 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | C | B<br> D<br> A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work<br>|
| 409018746 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | C | B<br> D<br> A | C | B | Credit | Ability to Repay/Qualified Mortgage | Satisfied<br> C<br> A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Lender to provide an ATR/QM status determination. | 8.14.2025 Client provided Lender 1008 with Non QM status | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work<br>|
| 409018746 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | C | B<br> D<br> A | C | B | Credit | Application | Waived<br> C<br> B | CRDAPP1813 | Undisclosed non-arm's length transaction | No | Possible NAL.The seller and buyer are represented by the same agent.This agent has the same last name as the seller.Please provide documentation if there is any relation between seller and agent.May be subject to additional conditions upon review. | 8.20.2025 Client provided LOX stating, Listing agent did disclose via the XXX licensee disclosure of personal interest in property that she was the spouse of the seller and disclosed dual agency as the sales and listing broker. There is no affiliation between the agent and the buyer therefore the fact that the seller used their spouse as the agent and disclosed that properly does not cause the transaction to fall under non-arms length criteria, and even so there is no material change to the approval of this transaction as a result. Response, appears per LOX agent is spouse to seller and agent is also the agent for both: Seller and Buyer. Condition remainsNon arms length transaction exists whenever there is a personal or business relationship with any parties to the transaction which may include the seller, real estate agent or other interested party. Condition remains 8.22.2025 Client provided exception approval to allow for non arms length transaction | Upon further review by Senior Underwriter, exception is deemed non-material. Exception is approved, B Grade with compensating factors: fico score XXX with DTI XXX% | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work<br>|
| 409018746 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | C | B<br> D<br> A | C | B | Credit | Assets | Satisfied<br> C<br> A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Provide gift letter:\* Donor must be family member, future spouse or domestic partner.\* Executed gift letter with gift amount and source, donors name, address, phone number and relationship | 8.14.2025 Client provided LOX of assets however it appears all assets came from sale of property XXX. in which is verified with HUD-1 from sale that this belong to other party (XXX), other party is the only seller for this sale and the assets from this sale came from XXX other account into the current joint account w/XXX #XXX; condition remains all assets being used for transaction appears to be gift from XXX. Missing gift letter and same for reserves appears to be gift from XXX.8.26.2025 Client provided copy of Gift letter from Spouse (XXX) with giving a total of $XXX(all assets verified are gift)This condition is being satisfied with receipt of gift letters | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work<br>|
| 409018746 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | C | B<br> D<br> A | C | B | Credit | Assets | Waived<br> C<br> B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Provide asset statements, meeting guideline requirements, to support Borrower had XXX months PITI reserves May be subject to additional conditions upon review. | 8.14.2025 Client provided LOX of assets however it appears all assets came from sale of property XXX. in which is verified with HUD-1 from sale that this belong to other party (XXX), other party is the only seller for this sale and the assets from this sale came from XXX other account into the current joint account w/XXX #XXX; condition remains all assets being used for transaction appears to be gift from XXX. Missing gift letter and same for reserves appears to be gift from XXX. Reserves are coming from sale of proceeds from XXX, in which is gift funds 8.26.2025 Client provided copy of Gift letter from Spouse (XXX) with giving a total of $XXX(all assets verified are gift)Condition remains, verified reserves are $XXX however if consider gift funds reserves would be $XXX; Condition remains gift funds were not considered in reserves calculation and without gift funds reserves would be $XXX verified. 11/4 Client provided an approved exception to allow the file with the use of Gift funds for reserves | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work<br>|
| 409018746 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | C | B<br> D<br> A | C | B | Credit | Assets | Waived<br> D<br> B | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Below is not met:First Time Homebuyers require XXX% own funds into transaction if using gift funds | 8.26.2025 Client provided gift letter from Spouse, transaction is all gift given by Spouse. Condition remains, own XXX% funds not verified into transaction. 11/4 Client provided an approved exception to allow the file without XXX% of Borrower own funds and the use of Gift funds for downpayment and reserves | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work<br>|
| 409018746 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | C | B<br> D<br> A | C | B | Credit | Income/Employment | Waived<br> C<br> B | CRDINC150 | Income docs do not meet guidelines | No | PL in file is for XXX months. Provide XXX month PL per guidelines.Subject to income recalc and may be subject to additional conditions upon review. | 8.15.2025 Client provided exception approval to allow for XXX months P/L when guidelines require XXX months | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors: credit score XXX and XXX years same line of work. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work<br>|
| 409018746 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | C | B<br> D<br> A | C | B | Credit | Legal Documents | Satisfied<br> D<br> A | CRDLGL225 | Missing Rider | No | Missing Default Rate Mortgage Rider | 8.14.2025 Client provided executed Default Rate Mortgage Rider | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work<br>|
| 409018863 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Property Valuations | Property | Waived<br> C<br> B | PRVAPROP177 | Property Issues Indicated | No | DSCR loan file where reflected on XXX Rural Website, ineligible per guidelines | 8.25.2025 Client provided exception approval to allow for DSCR loan with being reflected on XXX Rural website, in which is ineligible per guidelines | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors: Fico score XXX with XXX months reserves verified | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX score with XXX min<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: all mortgages are paid as agreed<br>|
| 409018866 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXXrequired.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXXor XXX months required.<br>|
| 409018996 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> A | C | A<br> D | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Please provide initial CD issued and confirmed 3 days prior to consummation date of XXX. | 8.5.25-Client provided CD issued XXX, e-signed XXX Satisfied. | 8.5.25-Satisfied. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: XXX months credit history exceeds guidelines.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has lived at current residence XXX years.<br>CFCFS2860: Good credit history<br> - xxx Comments: Guarantor demonstrates good credit history.<br>|
| 409018996 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> A | C | A<br> D | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Please provide initial CD issued and confirmed 3 days prior to consummation date of XXX. | 8.5.25-Client provided CD issued XXX, e-signed XXX. Satisfied. | 8.5.25- Satisfied. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: XXX months credit history exceeds guidelines.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has lived at current residence XXX years.<br>CFCFS2860: Good credit history<br> - xxx Comments: Guarantor demonstrates good credit history.<br>|
| 409018996 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> A | C | A<br> D | C | A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC2408 | Income verification does not meet guidelines | No | Missing XXX months bank statements used for income calculation | 8.5.25 bank statements reviewed - exception satisfied | 8.6.25 exception satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: XXX months credit history exceeds guidelines.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has lived at current residence XXX years.<br>CFCFS2860: Good credit history<br> - xxx Comments: Guarantor demonstrates good credit history.<br>|
| 409018997 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> B<br> A | A | A<br> B | A | A | Credit | Credit/Mtg History | Waived<br> B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide 12 months canceled checks for the rent paid to the private landlord. | 09.08.2025 - Acknowledged by Client. | 09.08.2025 - Non material exception remains. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: The borrower has been XXX for XXX years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves required $XXX X 6 = $XXX. Post cls verified reserves $XXX or XXX months PITI<br>CFCFS1745: Significant total monthly debt reduction<br> - xxx Comments: Reserves required $XXX X 6 = $XXX . Post cls verified reserves $XXX or XXX months PITI<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI is XXX%, max allowed by G/L is 43%<br>|
| 409019004 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | RESPA | Satisfied<br> B<br> A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | List of homeowners counseling organizations not in file | 7.25.25-Client provided Initial credit package including homeowners counseling list issued XXX. Satisfied. | 7.25.25- Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV < guideline maximum of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX reserves in file or XXX months PITI > required guidelines<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has stable employment with current employer for the past XXX years<br>|
| 409019004 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Initial 1003 issued XXX and earliest LE provided is issued XXX. Missing Initial LE issued within 3 business days of application date XXX. | 7.25.25-Client provided Initial credit package including LE issued XXX. Satisfied. | 7.25.25- Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV < guideline maximum of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX reserves in file or XXX months PITI > required guidelines<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has stable employment with current employer for the past XXX years<br>|
| 409019004 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | No Confirmation of Receipt of Initial CD Dated XXX at least 3 business days prior to Consummation Date XXX. Please provide Confirmation of Receipt of Initial CD. | 7.25.25-Client provided CD issued XXX, e-signed XXX. Satisfied. | 7.25.25- Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV < guideline maximum of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX reserves in file or XXX months PITI > required guidelines<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has stable employment with current employer for the past XXX years<br>|
| 409019004 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | No Confirmation of Receipt of Initial CD Dated XXX at least 3 business days prior to Consummation Date XXX. Please provide Confirmation of Receipt of Initial CD. | 7.25.25-Client provided CD issued XXX, e-signed XXX. With confirmation of receipt on issuance date , please provide LE issued XXX with proof of receipt.7.29.25-Client provided LE issued XXX, e-signed XXX. Satisfied. | 7.29.25- Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV < guideline maximum of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX reserves in file or XXX months PITI > required guidelines<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has stable employment with current employer for the past XXX years<br>|
| 409019004 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | $XXX Zero Percent Tolerance Violation due to decrease in Lender Credits from $XXX on Initial LE XXX to $XXX on LE XXX without a valid Change in Circumstance. Requires CIC, or corrected PCCD, copy of refund check, LOX and verification of shipping. | 7.25.25-Client provided COC. Satisfied. | 7.25.25- Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV < guideline maximum of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX reserves in file or XXX months PITI > required guidelines<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has stable employment with current employer for the past XXX years<br>|
| 409019038 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrower's FICO of XXX exceeds minimum requirement of XXX.<br>CFCFS1750: High potential for increased earnings<br> - xxx Comments: The property is located in a high demand area, as stated in the appraisal report. The property has a high potential for increased earnings due to its location.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV max is XXX% for short term rental investor property transactions, the LTV is XXX%, below the requirement.<br>|
| 409019050 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> B<br> A | A | A<br> B | A | A | Credit | Credit/Mtg History | Waived<br> B | CRDCRMH124 | Collections, Liens, etc. not paid as required by guidelines | No | Missing Payoff for XXX #XXX. | 09.08.2025 - Acknowledged by Client. | 09.08.2025 - Non material exception remains. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX months reserves exceeds guidelines.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Guarantor has lived at current residence XXX years.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - xxx Comments: Guarantor does not have mortgage related occurrences in the last XXX months.<br>|
| 409019081 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV is XXX%, max allowed by G/L is XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: No reserves required on LTV = XXX%. Cash to borrower $XXX or XXX months PITI<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying FICO is XXX, minimum required by G/L is XXX<br>|
| 409019085 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> A | A | A<br> D | A | A | Credit | Legal Documents | Satisfied<br> D<br> A | CRDLGL2420 | Missing HUD-1 (Final and Estimated) | No | Provide final HUD-1 | 7.25.25 Final settlement statement provided, please clear finding.7.25.25 exception satisfied | 7.25.25 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of XXX % is below guideline of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds guideline of XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Mortgage payment history of XXX months exceeds guideline of XXX months.<br>|
| 409019095 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> A | A | A<br> D | A | A | Credit | Legal Documents | Satisfied<br> D<br> A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Please provide Final HUD-1 | 7.25.25 Final settlement statement provided, please clear finding.7.25.25 exception satisfied | 7.25.25 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of XXX% is below allowed per guidelines<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Significant time at current residence, XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets:Post closing reserves $XXX or XXX months PITIA exceeds the 3 months required.<br>|
| 409019099 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV for Subject Property is below guideline max LTV of XXX%<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has resided at current residence for the past XXX years and XXX months.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Median FICO XXX> 183 points above guideline program minimum of XXX.<br>|
| 409019179 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds guidelines.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of XXX is below guideline requirement.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrower mortgage payment history of 0 x 30 for XXX months exceeds guideline requirement of XXX months.<br>|
| 409019213 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV is XXX%; guidelines allow XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is above minimum program requirement of XXX based on LTV.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrowers have 0x30xXXX months mortgage payment history exceeding guideline requirement of 1x30xXXX.<br>|
| 409019252 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> A | A | A<br> D | A | A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Missing third party valuation to support original appraised value.File indicates there is an AVM from XXX which is not on the approved list of vendors - once received a non-material exception will be required. | 8-22-25 Client uploaded AVM. | 8-25-25 xxx reviewed AVM and researched XXX AVM vendor which revealed that they recently purchased XXX/XXX. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves = $XXX, XXX months. XXX months required.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below the XXX% max.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrowers XXX FICO score is above the XXX required for a XXX% LTV.<br>|
| 409019260 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> A | A | A<br> D | A | A | Credit | Assets | Satisfied<br> D<br> A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing evidence that borrower is XXX% owner of XXX for access to XXX checking account XXX. | 8-13-25: Client uploaded copy of Bylaws for XXX. | 8-13-25: xxx reviewed copy of Bylaws for XXX, confirms borrower is XXX% owner and board member. Exception satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: 0x30 x XXX (consecutive) months > max permitted of 1x30 x XXX months<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is above the required XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post closing assets: $XXX(XXX months PITIA reserves) XXX months required.<br>|
| 409019262 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of XXX% is below the maximum allowable of XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is 55 points above minimum program requirement of XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrowers have 0x30xXXX months mortgage payment history guideline of XXX months.<br>|
| 409019264 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> B<br> A | N/A | N/A<br> B | N/A | N/A | Credit | Terms/Guidelines | Waived<br> B | CRDTER4631 | Loan parameters do not meet guidelines | No | Guidelines require loan be treated as a cash out if paying off a PIK (Paid in kind interest) loan. Loan closed as a rate term refinance. xxx deems non-material/non-fatal to lending decision as borrower received minimal funds from refinance and the following compensating factors: Credit score XXX/XXX minimum required, XXX months cash reserves/XXX required, and XXX% credit usage. | 09.10.2025 - Acknowledged by Client. | 09.10.2025 - Non material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is above the required XXX.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Minimal use of available revolving credit at XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post closing assets (assets + proceeds): $XXX(XXX months PITIA reserves) > min required of $XXX<br>|
| 409019317 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves $XXX, XXX months reserves, XXX months required<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds the minimum of XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months reviewed for primary residence mtg exceeds the XXX months required<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: XXX% of revolving credit utilized<br>|
| 409019319 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Median FICO XXX >74 points above guideline program minimum of XXX based on XXX% LTV.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has lived at current residence for the past XXX years and XXX months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>|
| 409019323 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrowers XXX FICO score is above the XXX min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves = $XXX, XXX months. XXX months required due to less than XXX months ownership on cash out refinance.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrower has XXX months or mortgage history which exceeds the required XXX months.<br>|
| 409019325 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> A | A | A<br> C | A | A | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINC150 | Income docs do not meet guidelines | No | Verification of market rents FNMA form 1007 is dated XXX which is over XXX days old.Provide corrected 1007 reflecting "Market rent of the subject as of XXX". | 8-19-25 Client replied: Updated Appraisal Report has been uploaded.. | 8-19-25 xxx reviewed updated appraisal and 1007. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years residing in primary residence<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below the maximum of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds the minimum of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves $XXX, XXX months reserves, XXX months required<br>|
| 409019330 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower (Guarantor) has occupied primary residence for XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX mid score > min required of XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: 1x30 x XXX months (consecutive payment histories) > max permitted of 1x30 x XXX months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post closing assets: $XXX, (XXX months PITIA reserves) XXX months required.<br>|
| 409019358 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> B<br> A | N/A | N/A<br> B | N/A | N/A | Credit | LTV/CLTV | Waived<br> B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | XXX% LTV > maximum permitted of XXX% for cashout refi, NONI > XXX%, score > XXX (G/L: XXX) xxx deems exception non material / nonfatal to the lending decision Grade =2/B. | 09.10.2025 - Acknowledged by Client. | 09.10.2025 - Non material exception remains. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0x30 xXXX months (via consecutive pay histories)<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Minimal use of available revolving credit lines @ XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-closing assets: $XXX (XXX months PITIA reserves) > min required reserves of XXX months<br>|
| 409019368 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV below guideline requirements of XXX% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Median FICO of XXX exceeds the guideline program minimum of XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>|
| 409019372 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrowers XXX FICO score is above the XXX min.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: The XXX% LTV is below the XXX% max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves = $XXX, XXX months. XXX months required.<br>|
| 409019417 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Borrowers have XXX months of 0x30 on current mortgage<br>|
| 409019417 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in the amount of $XXX as Subordination Fee was added to LE XXX without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 09/08/25 Client provided a duplicate copy of the XXX COC. Condition remains. The COC only states the Subordination is required. There is no change in circumstance explanation provided. For further review, provide documentation within 3 days of the change, to support the addition of this fee. Additional conditions may apply.09/10/25 Client provided another 8/15 COC reflecting the Title company notification of the subordination which added the Subordination charge. Lien reflected on Title. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Borrowers have XXX months of 0x30 on current mortgage<br>|
| 409019417 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> C<br> A | C | A<br> C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX% tolerance in the amount of $XXX as Recording Fees increased on LE XXX without a valid COC in file to support it. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 09/10/25 Client provided another XXX COC reflecting the Title company notification of the subordination which increased the Recording charges. Lien reflected on Title. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Borrowers have XXX months of 0x30 on current mortgage<br>|
| 409019522 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR)<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Section H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>|
| 409019570 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Insurance | Waived<br> D<br> B | CRDINSR848 | Missing Hazard Insurance | No | Missing Rent-Loss Insurance HO6/Walls-In-Policy and Rent Loss coverage for a minimum of XXX months. | 10.30.2025 Client provided duplicate (in file) Condo Master Policy w/Walls In however still missing rent loss coverage for a minimum of XXX months. Condition remains 11/6 Client provided an approved exception to allow the file without rent loss coverage, Borrower has sufficient assets for reserves verified to cover rent loss | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Low LTV, strong reserves, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% is below program maximum of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Customer score XXX is above program minimum of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX/XXX verified assets are sufficient to cover XXX months reserve requirements $XXX \* XXX =$XXX<br>|
| 409019577 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Income/Employment | Waived<br> D<br> B | CRDINC3204 | Income Documentation Missing | No | Missing evidence of recent lease within the last XXX months for subject vacant unit as required by Aspire Expanded DSCR program occupancy requirement guideline for a cash out refinance. | 11/13 Client provided an approved exception to allow the file without a lease dated within XXX months | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds product minimum of XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: customer has 0X30 on all credit. Oldest trade XXX<br>|
| 409020698 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | N/A | N/A<br> D<br> B | N/A | N/A | Credit | Assets | Satisfied<br> C<br> A | CRDAST3036 | Assets reflect unsourced deposits | No | Provide document source for XXX XXX deposit $XXX.Subject to asset recalc and may be subject to additional conditions upon review. | 10.14.2025 Client provided executed copy of HUD-1 from sale of a property: XXX with payoff of existing lien and Borrower netting: XXX(on XXX), supports the large wire deposit in XXX #XXX on XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: 0 x 30 > XXX months<br>|
| 409020698 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | N/A | N/A<br> D<br> B | N/A | N/A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC3204 | Income Documentation Missing | No | Experienced Borrower:Provide:Income-Producing Property Evidence (for at least one property): Executed lease/rental agreement Rent roll (for commercial or multifamily properties) Property management statements Business license and income documentation (for owner-operated commercial property)Subject to review of max LTV, and may be subject to additional conditions upon review. | 9.19.2025 Client provided duplicate in file, mortgage statement for two (2) properties however initial condition remains for specific documentation to verify Experienced Borrower. Subject to review of max LTV, and may be subject to additional conditions upon review. 10.14.2025 Client provided rental owner statement print out reflecting history of one month (XXX) for several properties however our borrower do own on 1003 REO: XXX and file have mortgage statement verifying this is in Borrower name however the rental owner statement provided is only covering for one month, condition remains to support Borrower as an experienced Borrower 10.22.2025 Client provided Lender LOX stating: Seller response - He owns 3 investment properties, which documents on the fraud report, he has owned XXX since XXX, over a year. The docs we provided are a one month print out which shows they have collected rents on multiple properties through a management company. Response, guidelines states an experienced Borrower who has owed two (2) or more properties for at least XXX months during the most recent XXX - month period with one (1) property being an income producing property (residential or commercial) | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: 0 x 30 > XXX months<br>|
| 409020698 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | N/A | N/A<br> D<br> B | N/A | N/A | Credit | Insurance | Satisfied<br> D<br> A | CRDINSR3278 | Hazard Insurance documentation in file is incomplete | No | Provide updated policy for subject reflecting below.May be subject to additional conditions upon review.'All loans will require rent loss insurance covering a minimum of XXX months for the subject property for the greater of in place or market rent during disruption.' | 9/18 Client requested a review; upon review the policy has sufficient rent loss coverage | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: 0 x 30 > XXX months<br>|
| 409020698 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | N/A | N/A<br> D<br> B | N/A | N/A | Credit | Terms/Guidelines | Waived<br> C<br> B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Provide the following, per guidelines.May be subject to additional conditions upon review.1. Executed W9 for XXX 2. Articles of Organization3. Operating documents including operating agreement (in file), partnership agreement and bylaws4. Certificate of Good Standing5. Borrower Contact Consent Form6. Certificate of occupancy | 9.19.2025 Client provided Articles of Organization with operating agreement documents, however still missing: (a) Executed W9 for XXX (b) Certificate of Good Standing (c) Borrower Contact Consent form and (d) Certification of Occupancy, per initial condition 10.2.2025 Client provided executed W9 for XXX; still missing (a). Certificate of Good Standing and (b) Borrower Contact Consent form and (c). Certification of Occupancy 10.14.2025 Client provided executed W9 for XXX and provided executed Occupancy Affidavit, still missing Certificate of Good Standing and Borrower Contact Consent form 10.26.2025 Client provided SOS good standing, missing Borrower Contact Consent form. Condition remains: missing Borrower Contact Consent form. Client provided exception approval for missing executed Borrower Contact Consent form with file having executed Final 1003 | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors: verified reserves XXX months and fico score XXX | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: 0 x 30 > XXX months<br>|
| 409020698 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | N/A | N/A<br> D<br> B | N/A | N/A | Credit | Terms/Guidelines | Waived<br> C<br> B | CRDTER4631 | Loan parameters do not meet guidelines | No | Subject has rural designation as indicated by XXX.Not allowed per guidelines.Approved Client exception in file not yet applied due to open conditions.Missing a copy of Guaranty Agreement | 9.19.2025 Client provided executed copy of Guaranty Agreement. Condition remains, subject has rural designation as indicated by XXX10.22.2025 Client provided exception approval for subject being in rural designation as indicated by XXX | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors: Credit score XXX with XXX months verified reserves | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: 0 x 30 > XXX months<br>|
| 409020763 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>|
| 409020806 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> A<br> B | D | A<br> D<br> B | D | A | Compliance | Compliance Manual | Satisfied<br> D<br> A | CMPMAN2954 | Missing Initial Escrow | No | Missing initial hoi/tax escrow acct/deposits required at close for Aspire Expanded DSCR Program. | 10.6.2025 Client provided Lender waiver of escrows stating was approved by Client. Response, condition remains 10/10 client provided an approved exception to allow the waiver of escrows | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past XXX months.<br>|
| 409020806 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> A<br> B | D | A<br> D<br> B | D | A | Credit | LTV/CLTV | Satisfied<br> B<br> A | CRDLTV5736 | LTV Exceeds Guideline Requirement by less than 5% | No | XXX% LTV exceeds the XXX% max due to a XXX% reduction to LTV for inexperienced investor; borrower does not meet Aspire Expanded DSCR definition of an Experience Investor as there is no evidence of subject being rented, 1007 reflects $XXX current rents, appraisal photos show dressed rooms likely to be short term rental, appraiser states lender provided XXX for analysis, no lease provided and borrower statement of prior experience is insufficient and evidence not provided. 2 or more properties owned concurrently for a min of XXX mo. (w/in the past XXX mo.) with 1 being income producing. Borrower is stating no ownership interest in primary. | 10.4.2025 Client provided copy of property profile where borrower currently live:XXX unable to determine reason for this property profile. 1003 states current residence with no primary housing and LOX from borrower stating no obligation on primary housing. Initial condition remains 10.7.2025 Client provided an updated 1003 that supposed to reflect as own however having no expense due to Mortgage is not in Borrower name. Response, previously provided copy of property profile detail report reflecting borrower name as owner of current primary residence: XXX. however not on the Mortgage but on Deed and have ownership rights due to being on deed and have been on deed since XXX and subject investment property have owned since XXX; appears to meet the Experienced Borrower per guidelines, LTV reduction not required. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past XXX months.<br>|
| 409020819 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> B | D | A<br> D<br> B | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No | Initial CD XXX is e-signed by non-borrowing spouse but a prior e-consent is missing in file. | 11/04/2025 Client provided a screen print reflecting Accepted consent for e-delivery by Non-Borrower on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX%<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment XXX years<br>|
| 409020819 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> A<br> B | D | A<br> D<br> B | D | A | Credit | Credit/Mtg History | Satisfied<br> B<br> A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | VOM does not verify any lates or history, Lender to provide complete VOM with mortgage history | 11.18.2025 Client provided updated VOM history no late payment | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX%<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment XXX years<br>|
| 409021191 | XXXXXX | XXXXXX | (No Data) | (No Data)<br> C<br> B<br> A | N/A | N/A<br> C<br> B | N/A | N/A | Credit | Terms/Guidelines | Waived<br> C<br> B | CRDTER4631 | Loan parameters do not meet guidelines | No | Missing a copy of Guaranty Agreement. | 11.24.2025 Client provided post close signed dated (XXX) with Note date XXX; condition remains for prior to closing or at closing executed signed by Notary and Borrower, Guaranty Agreement. Condition remains 11.25.2025 Client provided exception approval to allow for signed, post close dated (by Borrower) on XXX Personal Guaranty Agreement, with Note date of XXX | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors: Fico score XXX and XXX months verified reserves | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX score exceeds XXX Min<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets verified for reserves $XXX or XXX months PITIA and required is XXX months<br>|
| 409021243 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | D | A<br> D<br> B | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> D<br> A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Final 1003 shows the existing home with only taxes/ins; no mortgage. Credit Report shows no mortgage. However, Lender provided 12-month XXX (XXX) statements for mortgage history and P/I with no late fees. XXX statements show only non-purchasing spouse's name. But Loan Safe Fraud Report shows the property is owned by borrower and non-purchase spouse. In addition, the HO3 dec page and property tax statement shows both names. With the full PITI DTI XXX%. If only the taxes/ins/hoa included DTI XXX%. Guidelines require the following documentation for department residence, XXX 1) Signed Letter of Intent. 2) Documentation of Equity-AVM, BPO or 2055 exterior appraisal. 3) Market Rent Survey from licensed appraiser. 4) Verification of HOA. If this documentation cannot be provided and the non-purchasing spouse is not the sole owner of XXX, the full PITI/A will be included, ratio will increase to XXX%. | 11.10.2025 Client provided LOX stating, Documents uploaded for review. seller comment: corrected this as she changed the income with a XXX% expense factor and is uploading a document reflecting the business was open in 2015 Response, Client provided duplicate in file (pg 430) Tax Accountant Letter stating expense ratio of approximately XXX% and appears Lender is now using XXX% expense vs XXX% however guidelines states Exense factor can never be less than XXX%. Condition remains (a). provide updated 1003/1008 to include mortgage (full PITIA) appears DTI is currently only considering taxes/insurance and 1003/1008 to include updated income and (b). provide lender updated income worksheet with updated income, if applicable and (c). Tax Accountant Letter provided and in file do not reflect statement: attesting they are not related to the borrower or associated with the borrower's business and (d). verify active Tax accountant licensed (guidelines require Licensed tax preparer) and (e). guidelines state expense factor cannot exceed XXX% however appears Lender is now using XXX% (per LOX)Condition remains for a - e (format) documentationDTI and income still under review and not finalized and if using XXX% expense factor, will exceed guidelines requirements. 11.18.2025 Client provided Lender LOX stating, Document uploaded - Per Seller - updated 1008/1003 and income wksht but I'm not following XXX%, XXX% is less than XXX% so please have them verify so we should be fine. PLEASE CLARIFY. Response, Lender provided 1003/1008 with using adding PI of $XXX into DTI (taxes, etc of $XXX was already in DTI, now full PITIA have been included, previously only omitted the PI) and now updated income of $XXX (using XXX% expense) and previously income was $XXX(using XXX%) and updated income worksheet using XXX% expense factor. Lender wanted to clarify regarding XXX%, if using XXX% expense ratio which would make the income higher and guidelines states cannot exceed XXX%, if use XXX%, which would make income lower than the $XXX (Lender updated income) Condition remains: (a). XXX% DTI is max DTI and with including the PITIA payment updated DTI is XXX%; if Lender would like to go this route, will need updated 1008 using initial income of $XXX and reflecting DTI of XXX% and nothing more needed, however if want to go other route will need the following (b). if wanting to use XXX% or XXX% expense for higher income, will need updated Tax Accountant Letter: attesting they are not related to the borrower or associated with the borrower's business and (c). verify active Tax accountant licensed (guidelines require Licensed tax preparer) and (d). guidelines state expense factor cannot exceed XXX% however appears Lender is now using XXX% (per updated income worksheet and 1008)Condition remains, provide documentation to support which route Lender will take to clear up conditions: Either A or B, C, D11/20 Client provided an approved exception to allow the file with XXX% expense factor and no further updates required to 1003/1008 or CPA letter | Satisfied | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower conservative credit user; minimal outstanding debt.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX Median FICO >113 points above guideline program minimum of XXX.<br>|
| 409021243 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | D | A<br> D<br> B | D | A | Credit | DTI | Waived<br> B | CRDDTI105 | Debt Ratio Exception 5% or Less | No | Guidelines do allow DTI of XXX% Condition added upon receipt and review of Lender updated 1003/1008 with including PI of $XXX into DTI (previously was only using taxes/insurance in DTI and omitted the PI of $XXX) and now with including the full PITIA payment updated DTI is XXX% with using initial income calculation of $XXX (XXX% expense) | 11.18.2025 Client provided Lender LOX stating, Document uploaded - Per Seller - updated 1008/1003 and income wksht but I'm not following XXX%, XXX% is less than XXX% so please have them verify so we should be fine. PLEASE CLARIFY. Response, Lender provided 1003/1008 with using adding PI of $XXX into DTI (taxes, etc of $XXX was already in DTI, now full PITIA have been included, previously only omitted the PI) and now updated income of $XXX (using XXX% expense) and previously income was $XXX(using XXX%) and updated income worksheet using XXX% expense factor. Lender also wanted to clarify regarding XXX%, if using XXX% expense ratio which would make the income higher and guidelines states cannot exceed XXX%, if use XXX%, which would make income lower than the $XXX(Lender updated income). Condition remains: (a). XXX% DTI is max DTI and with including the PITIA payment updated DTI is XXX%; if Lender would like to go this route, will need updated 1008 using initial income of $XXX and reflecting DTI of XXX% and nothing more needed, however if want to go other route will need the following (b). if wanting to use XXX% or XXX% expense for higher income, will need updated Tax Accountant Letter: attesting they are not related to the borrower or associated with the borrower's business and (c). verify active Tax accountant licensed (guidelines require Licensed tax preparer) and (d). guidelines state expense factor cannot exceed XXX% however appears Lender is now using XXX% (per updated income worksheet and 1008)Condition remains, provide documentation to support which route Lender will take to clear up conditions: Either A or B, C, D 11/20 Client provided an approved exception to allow the file with CPA letter verified XXX% expense factor without further update to CPA letter | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower conservative credit user; minimal outstanding debt.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX Median FICO >113 points above guideline program minimum of XXX.<br>|
| 409021243 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | D | A<br> D<br> B | D | A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC2340 | Employment verification does not meet guidelines | No | Business Bank Statements Alternative Documentation requires documentation of self-employment. Missing Business License or signed statement from CPA or Third-Party Tax Preparer. The letter from Tax Service does not state years of XXX. | 9/19 Client provided duplicate Tax letter already reviewed; condition remains 9/23 Client provided duplicate Tax letter reviewed previously; Condition remains the letter provided does not state the # of years in business10.29.2025 Client provided evidence of incorporated date for business XXX(similar to 1003 start date) | Condition satisfied | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower conservative credit user; minimal outstanding debt.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX Median FICO >113 points above guideline program minimum of XXX.<br>|
| 409021327 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX mid-score per CBR.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years living at primary residence.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: XXX months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX months of reserves in file.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV per review; XXX% LTV is maximum allowed per guidelines.<br>|
| 409021337 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is 33 points above minimum program requirement of XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% is below the guideline minimum of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX/XXX PITIA which is > guideline minimum of XXX months PITIA.<br>|
| 409021340 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is above the required XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Mortgage payment history of XXX months exceeds the required XXX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves: $XXX or XXX months of PITIA. XXX months required.<br>|
| 409021349 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX mid-score per CBR.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years living at primary residence.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: XXX months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months of 0x30 mortgage history in file.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX months of reserves in file.<br>|
| 409021355 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is 4 points above minimum program requirement of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV is XXX%; guidelines allow XXX%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrowers have 0x30xXXX months mortgage payment history exceeding guideline requirement 1x3xXXX.<br>|
| 409021359 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower has minimal use of credit with credit usage ratio of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is 53 points above minimum program requirement of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX/XXX PITIA which is > guideline minimum of XXX months PITIA.<br>|
| 409021371 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is 71 points above minimum program requirement of XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrower has 0x30xXXX mortgage payment history exceeding guideline requirement of 1x30xXXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX/XXXPITIA which is > guideline minimum XXX months PITIA.<br>|
| 409021375 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> A | N/A | N/A<br> D | N/A | N/A | Credit | Insurance | Satisfied<br> D<br> A | CRDINSR848 | Missing Hazard Insurance | No | Missing HOI in file | 8.29.25 INS policy is received and exception is satisfied | 8.29.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying fico is XXX. G/l min is XXX<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: XXX% consumer credit utilization in file<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX months piti reserves<br>|
| 409021379 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Verified credit score XXX. Guideline minimum XXX.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: The borrower has been at current residence for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves = $XXX or XXX months. No reserves required.<br>|
| 409021383 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is 77 points above minimum program requirement of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX/XXX PITIA which is > guideline minimum of XXX months PITIA.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrowers have 0x30xXXX months mortgage payment history exceeding guideline requirement of 1x30xXXX.<br>|
| 409021390 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> A | A | A<br> D | A | A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support appraised value. | 9-23-25 Client uploaded CDA. | 9-24-25 xxx reviewed CDA and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrowers XXX FICO score is above the XXX min.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Borrowers XXX% LTV is below the XXX% max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX months reserves us above the XXX required.<br>|
| 409021404 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves = $XXX, XXXmonths. No reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds the guideline minimum XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months on-time history exceeds the guideline required XXX months.<br>|
| 409021411 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is 26 points above minimum program requirement of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX/XXX PITIA which is > guideline minimum of XXX months PITIA.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower has only used XXX% of available revolving credit.<br>|
| 409021438 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is above the required XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves: $XXX or XXX months of PITIA. XXX months required.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower has minimal use of credit with credit usage ratio of XXX%<br>|
| 409021455 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX mid-score per CBR. XXX minimum.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years living at primary residence.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV per review; XXX% LTV is maximum allowed per guidelines.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months of 0x30 mortgage history per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: XXX months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX months of reserves in file. XXX required.<br>|
| 409021461 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> B<br> A | N/A | N/A<br> B | N/A | N/A | Credit | Credit/Mtg History | Waived<br> B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Guidelines limit 4 HEM financed properties. File indicates that there are 5 loans for borrower. Approved committee review in file.xxx deems non-material/non-fatal to lending decision due to compensating factors: Credit score XXX/XXX minimum, XXX months mortgage history/XXX required and XXX months cash reserves/XXX months required. | 09.17.2025 - Acknowledged by client. | 09.17.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is above the required XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves: $XXX or XXX months of PITIA. XXX months required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Mortgage payment history of XXX months exceeds the required XXX months.<br>|
| 409021478 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower has minimal credit usage ratio of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrowers XXX FICO score is above the XXX min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers XXX months of reserves is above the XXX required.<br>|
| 409021483 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> B<br> A | C | A<br> C<br> B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof of receipt for LE issued XXX and Initial CD XXX at least XXX days prior to closing date of XXX | 9.11.25-Client provided tracking reflecting CD issued XXX was received on XXX. Satisfied. | 9.11.25- Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is above the required XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of XXX% is below the guideline maximum of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves = $XXX or XXX months. XXX months reserves required.<br>|
| 409021483 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> B<br> A | C | A<br> C<br> B | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof of receipt for LE issued XXX and Initial CD XXX at least XXX days prior to closing date of XXX | 9.11.25-Client provided LE tracking reflecting LE issued XXX was received on XXX & tracking reflecting CD issued XXX was received on XXX. Provide proof of receipt of LE issued XXX9.12.25-Client provided LE tracking reflecting LE issued XXX. Satisfied. | 9.12.25- Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is above the required XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of XXX% is below the guideline maximum of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves = $XXX or XXX months. XXX months reserves required.<br>|
| 409021483 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> B<br> A | C | A<br> C<br> B | C | A | Credit | DTI | Waived<br> B | CRDDTI187 | Debt Ratio > 50% | No | DTI is XXX% based: Subject PITI $XXX + other debt $XXX + XXX REO $XXX ($XXX + $XXX I+ $XXX T)+ XXX REO $XXX ($XXX+ $XXX I + $XXX T) + XXX REO $XXX ($XXX + $XXX HOA) = $XXX/$XXX income = XXX%. xxx deems non-material/non-fatal to lending decision as credit report appears to have a duplicate XXX account at $XXX (DTI w/o dup is XXX%)and borrower is $XXX from being XXX% DTI. The following compensating factors apply: XXX months cash reserves/XXX required, Credit score of XXX/XXX minimum, and LTV XXX%/XXX% maximum. | 09.17.2025 - Acknowledged by client. | 09.17.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is above the required XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of XXX% is below the guideline maximum of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves = $XXX or XXX months. XXX months reserves required.<br>|
| 409021486 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX exceeds required reserves of $XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrower credit score of XXX exceeds guidelines.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Mortgage payment history of 10 open and reporting lenders reflects a positive payment history of anywhere from XXX to XXX months and exceeds guidelines.<br>|
| 409021502 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Property Valuations | Property | Waived<br> C<br> B | PRVAPROP177 | Property Issues Indicated | No | Provide the Appraiser Independence Cert required on Appraisal Transfers. | 9-2-25 Client replied: This is an appraisal transferred from XXX, and they have their own appraisal department. XXX confirms within the body of the transfer letter that all rules/regulations have been met. See transfer letter provided with loan file.. 09.17.2025 - Acknowledged by client. | 9-4-25 xxx reviewed file. Invoice indicates a XXX management fee from XXX and transfer letter in file indicates XXX ordered appraisal "in accordance with policies and procedures designed to ensure compliance with various regulatory and investor guidance related to appraiser independence requirements" and there is an email in the file stating "XXX does not provide AIR Certs, as we do not receive them from our XXX".xxx deems non-material/non-fatal to lending decision due to compensating factors: XXX months cash reserves/3 required, Credit score XXX/XXX required, and LTV XXX%/XXX% max. Non-material exception remains. 09.17.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of XXX is below guideline requirement max of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI reserves exceed required reserves of ($XXX x XXX = $XXX).<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX exceeds guideline requirement of XXX.<br>|
| 409021517 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: XXX months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX months of reserves in file.<br>|
| 409021518 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrowers XXX FICO score is above the XXX min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers XXX months reserves is above the XXX required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrowers XXX years of mortgage history is above the XXX required months.<br>|
| 409021524 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> A | N/A | N/A<br> D | N/A | N/A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Missing third party valuation to support original appraised value.Lender provided appraisal dated XXX and AVM dated XXXUpdated valuation can not be dated prior to the appraisal. | 9-9-25 Client replied: AVM issued after appraisal uploaded | 9-10-25 xxx reviewed AVM and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrowers XXX FICO score is above the XXX min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers XXX months of reserves is above the XXX required.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below the XXX% max.<br>|
| 409021533 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is above the required XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of XXX% is below the maximum allowable XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves: $XXX or XXX months of PITIA. XXXmonths required.<br>|
| 409021556 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash Reserves $XXX, XXX months reserves, XXXmonths required<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds the minimum of XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% is below the maximum of XXX%<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: XXX% of revolving credit utilized<br>|
| 409021559 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrowers XXX FICO score is above the XXX min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers XXX months reserves is greater than the XXX required months.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below the XXX% max.<br>|
| 409021562 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds the minimum of XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% is below the maximum of XXX%<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: XXX% of revolving credit utilized<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash Reserves $XXX, XXX months reserves, XXX months required<br>|
| 409021563 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX mid-score per CBR. XXX minimum.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: XXX months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX months of reserves in file. XXX months required.<br>|
| 409021597 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Insurance | Waived<br> D<br> B | CRDINSR3792 | Insurance policy missing Rent Loss/Business Interruption coverage | No | The subject property homeowner insurance policy is missing rent loss or business interruption coverage. | 11/21 Client provided an approved exception to allow the file without evidence of rent loss coverage | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: The borrower have total cash asset reserves of XXX, which equates to XXX months of PITIA reserves. Calculation: $XXX $XXX = XXX months of PITIA.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: The loan-to-value (LTV) ratio is XXX%, which is XXX% below the maximum allowable LTV of XXX%.<br>|
| 409021598 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | Ability to Repay/Qualified Mortgage | Waived<br> C<br> B | CMPATRQM2970 | TILA - Loan is a non-QM loan with documented ATR UW factors; points and fees exceed client's 3% guideline. | No | Fees exceed XXX% at XXX%.XXX UPDATE: Adjusted Charges total $XXX (XXX%). Max allowed Charges total $XXX (XXX%). Charges exceed max by $XXX. | 9.11.2025 Client provided Lender updated 1008 reflecting as Non QM status however loan was already deemed as being Non QM. Condition remains 9.24.2025 Client provided exception approval to allow for Non QM with points and fees exceeding XXX%, ineligible per guidelines | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors: fico score XXX and DTI XXX% | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX score with XXX Min<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX DTI is lower than MAX DTI of XXX<br>|
| 409021598 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | Ability to Repay/Qualified Mortgage | Waived<br> C<br> B | CMPATRQM2974 | TILA - Loan is a non-QM loan; APR exceeds client's HPCT maximum guideline. | No | Rate Lock date XXX. The test APR is XXX%, the benchmark APR is XXX% resulting in a difference of XXX%, max difference allowed is XXX% | 9.11.2025 Client provided Lender updated 1008 reflecting as Non QM status however loan was already deemed as being Non QM. Condition remains 9.24.2025 Client provided exception approval to allow for Non QM with points and fees exceeding XXX%, ineligible per guidelines | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors: credit score XXX and DTI XXX% | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX score with XXX Min<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX DTI is lower than MAX DTI of XXX<br>|
| 409021598 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Credit | Credit/Mtg History | Waived<br> B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide a VOR for XXX month rental history per 1003 | 9.24.2025 Client provided exception approval for missing VOR for XXX months rental housing history | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors: fico score XXX and DTI XXX% | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX score with XXX Min<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX DTI is lower than MAX DTI of XXX<br>|
| 409021621 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Credit | LTV/CLTV | Waived<br> C<br> B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Borrower does not meet the Experienced Borrower. Per G/L LTV must be reduced by XXX%. Max LTV is XXX%. Reducing XXX% max LTV XXX%. Loan closed at XXX%. | 10.17.2025 Client provided lender LOX stating, Borrower has had ownership in XXX since XXX until XXX, then borrower also has had ownership in subject property since XXX. Borrower is not first time investor. Response, verifying ownership of a property do not support being an experienced Borrower, missing documentation (per guidelines) to support being an experienced Borrower. Initial condition remains 10.25.2025 Client provided Lender LOX stating Borrower have a Primary home and own another property from XXX mean that it would be an investment property and provided a snipet of some guidelines (however dont appear to be Client guidelines, with guidelines, provided saying an experience investor is a borrower who must have a history of owning and managing real estate for at least XXX months in the last XXX years. Response, still missing documentation (per guidelines) to support being an experienced borrower (verifying mortgage history only verifies owning, however missing evidence of managing). Condition remains 12/5 Client provided an approved exception to allow the file with XXX LTV | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Good mortgage history XXX payments<br>|
| 409021621 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Credit | Terms/Guidelines | Waived<br> C<br> B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Borrower has not owned subject for XXXmonths. Provide documented improvements made after the purchase of subject property. Per Appraisal subject was purchased on XXX for $XXX. Appraised value is $XXX | 10.17.2025 Client provided Lender LOX stating, per appraisal it appears that many improvements were made and per guidelines, only need to verify borrower has ownership in property for XXX months prior to the new loans date, which this one meets, no additional documentation was required. Response, Per appraisal: C3;Kitchen-remodeled-less than one year ago;Bathrooms-remodeled-less than one year ago;RECENTLY RENOVATED. NEW FLOORING, KITCHEN, BASEMENT. SYSTEMSW/H. FURNACE. ELECTRICAL) REMAIN ON BACKSIDE OF ECONOMIC LIFETIME. BASEMENT IS FINISHED BUT UNHEATED AND THEREFORE CONSIDERED UNFINISHED. WALKS OUT AT REAR. FULL BATH IN BASEMENT ALSO UNHEATED. FULL 2ND KITCHEN WITH GAS STOVETOP IN BASEMENT (CO DETECTOR NEARBY). GAS HEAT; PUBLIC RECORD INDICES OIL ALL TILITIES/APPLIANCES/MECHANICALS WERE ON AND OPERATIONAL AT TIME OF INSPECTION. EFFECTIVE AGE 8; initial condition remains for documentation to support increased, have owned since XXX $XXX and current value of $XXX on XXX/ Cash out refinance 12/5 Client provided an approved exception to allow the file without further documentation of improvements using the Appraised value $XXX | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Good mortgage history XXX payments<br>|
| 409021679 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> A | D | A<br> D | D | A | Compliance | Compliance Manual | Satisfied<br> D<br> A | CMPMAN2956 | Missing disclosure | No | Missing final CD/ Settlement Statement provided to borrower at closing on XXX. Last CD in file is dated XXX and e-signed on XXX. | 10/15/25 Client provided an Email from the Seller stating the Final CD was issued on XXX and we funded on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Borrower has 0x30 on mortgages for the past XXX years<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score<br>|
| 409021739 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> B<br> A | N/A | N/A<br> C<br> B | N/A | N/A | Credit | Terms/Guidelines | Waived<br> C<br> B | CRDTER4631 | Loan parameters do not meet guidelines | No | Loan is missing Guaranty Agreement . | 11.24.2025 Client provided executed Personal Guaranty only executed by borrower post close dated XXX; Note date XXX Condition remains for prior to or at closing executed and notarized Guaranty Agreement. 11.25.2025 Client provided exception approval to allow for signed, post close dated (by Borrower) on XXX Personal Guaranty Agreement, with Note date of XXX | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors: Fico score XXX and XXX months verified reserves | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Mortgage payment history shows no derogatory events.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been at current residence XXX years.<br>|
| 409021783 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Mortgage history reports XXX mos. 0x30.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have XXX years XXX months at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves $XXX exceed required reserves $XXX.<br>|
| 409021805 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> A | N/A | N/A<br> C | N/A | N/A | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER4631 | Loan parameters do not meet guidelines | No | File is missing Guaranty Agreement | 10.10.2025 Client provided executed Guaranty Agreement | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is 132 points above minimum program requirement of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower reserves exceed the requirement.<br>|
| 409021814 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> B<br> A | A | A<br> B | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>|
| 409021814 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> B<br> A | A | A<br> B | A | A | Credit | Income/Employment | Satisfied<br> B<br> A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Income is not supported. Borrower is a independent contractor; file contains a 2024 1099 and bank statements showing YTD XXX deposits. LOE in file shows borrower's compensation is secured by a grant which ends in 2026, no evidence of continuance. | 10.13.2025 Client provided a copy of XXX Agreement however don't appear to be all pages due to missing executed pages. Condition remains for full copy and executed of this XXX Agreement for review of income continuance. Upon review may be subject to additional conditions 10.26.2025 Client provided LOX stating Seller comment: Hello Per Team and Borrower there is nothing more to the document besides the 3 pages already provided. Is there anything else we can provide to clear this condition? Response, appear this is not an executed copy, in which appears to not support having all pages. Condition remains for all pages, including executed page 10.30.2025 Client provided executed copy of Continuity Agreement which do reflect started as of XXX and ends XXX (Note date XXX) however file also have an employment Letter from Continuity (from same person whom signed the Agreement pg 282) and Letter stating Borrower is an independent contractor and not an employee and compensation is reported in accordance with IRS regualations for independent contractors, agreement also states commenced in 2024 and shall continue until terminated as set forth in this Agreement, it will automatically renew unless prior communication is given from either XXX or XXX. Monthly income used for qualifying is average of 2024 1099 using XXX% for monthly $XXX and YTD 2025 evidence of receipt of deposits (into XXX) from XXX- XXX each reflecting $XXX being deposited twice each month which supports the XXX Agreement compensation of $XXX year. Lower income appear to have been used from 2024 average.Transaction is ALT DOC Method: 1099 Program | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>|
| 409021844 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> B<br> A | N/A | N/A<br> C<br> B | N/A | N/A | Property Valuations | Property | Waived<br> C<br> B | PRVAPROP177 | Property Issues Indicated | No | Subject property in Rural Location per XXX Rural Designation website. Rural properties are not eligible. | 10.22.2025 Client provided exception approval for subject being Rural per XXX Rural Designation website, ineligible per guidelines | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors: fico score XXX with XXX months verified reserves | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX<br>|
| 409022010 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets:$XXX or XXX months PITI. 6 months met<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - xxx Comments: The borrower have not had any 30-day, 60-day, or 90-day late payments on the XXX Bank and other mortgage accounts within the last XXX months.<br>|
| 409022109 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> A | N/A | N/A<br> C | N/A | N/A | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER4631 | Loan parameters do not meet guidelines | No | Missing Guaranty Agreement. | 10.21.2025 Client provided Guaranty Agreement executed by Borrower however not notarized, not fully executed. Condition remains 10.30.2025 Client provided executed copy of Guaranty Agreement along with last (additional) page being executed notary page | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; XXX or XXX months required.<br>|
| 409022276 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption (APOR)<br> C<br> A | A | A<br> C | A | A | Credit | Assets | Satisfied<br> C<br> A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Provide signed letter from 2nd owner of Culture Construction stating it is ok for Borrower to use funds from Business Account for cash to close/reserves.Provide source of $XXX deposit into XXX XXX on XXX | 10.22.2025 Client provided executed account authorization from 2nd owner full access to all funds, Borrower has | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years<br>|
| 409022276 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption (APOR)<br> C<br> A | A | A<br> C | A | A | Credit | Credit/Mtg History | Satisfied<br> B<br> A | CRDCRMH124 | Collections, Liens, etc. not paid as required by guidelines | No | Provide documentation that Borrower has paid Civil Judgment for $XXX to XXX has been paid in full. This was found on 3rd party Fraud Report.For manually underwritten loans, non-medical collection accounts and charge-offs on non-mortgage accounts do not have to be paid off at or prior to closing if the balance of an individual account is less than $XXX or the total balance of all accounts is $XXX or less. Non-medical collection accounts and charge-offs on non-mortgage accounts that exceed these limits must be paid off at or prior to closing. | 11/13 Client provided evidence the property was sold XXX | Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years<br>|
| 409022276 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption (APOR)<br> C<br> A | A | A<br> C | A | A | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Per Lender Bank Statement Worksheet Lender omitted a Select Pre-encoded deposits. Did not verify why some and not the others. Provide LOE as to which ones were omitted and why.Provide XXX XXX XXX Statement. Per G/L most recent statement should be provided for income. Loan closed XXXProvide Business Deposits between XXX - XXX Have Business Bank statements from XXX and then beginning on XXX. | 10.28.2028 Client provided LOX stating, deposits that were omitted were all the large deposits. Since the DTI was only XXX% opted to exclude these deposits and not condition out for each to be sourced since we didn't need the additional income. In addition XXX XXX #XXX statement was not required with initial application date of XXX and history for #XXX business deposits between XXX - XXX appears this statement reflect beginning balance of $XXX however no LOX was provided addressing beginning balance in XXX #XXX and using the prior XXX months w/XXX #XXX(XXX/XXX), per guideline Co-mingling of multiple accounts to generate a full XXX months is not permitted. It appears #XXX do not have a August and XXX statement, #XXX start with month: XXX; Condition remains: Borrower to address with LOX for loan file using #XXX and #XXX (XXX/XXX) for income calculation 10.31.2025 Client provided Lender LOX stating, Documents uploaded for review. Seller comment: there are XXX accounts in file because borrower moved their business account from XXX to XXX. See the first XXX statements to show wire transfers from the XXX account. Response, initial condition also requested for deposits from XXX- XXX; however was found that prior account was w/XXX #XXX and as of XXX business account is now with XXX#XXX which reason for missing deposits history from XXX - XXX (was previously addressed in file pg 752 by Borrower), all of initial condition have been addressed. Both accounts are business account | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years<br>|
| 409022276 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption (APOR)<br> C<br> A | A | A<br> C | A | A | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Homeowners Insurance Binder shows Effective and Expiration dates as XXX. Provide binder with XXX expiration. | 10.22.2025 Client provided updated HOI policy effective XXX- same XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years<br>|
| 409022278 | XXXXXX | XXXXXX | ATR/QM: Exempt | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have owned their primary residence for XXX years XXX months.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXXis 28 points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.<br>|
| 409022316 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> A | N/A | N/A<br> D | N/A | N/A | Credit | Credit/Mtg History | Satisfied<br> D<br> A | CRDCRMH189 | Missing credit report | No | Missing credit reports for both guarantors. | 10.2.2025 Client provided credit reports for both borrowers (dated XXX and XXX) | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>|
| 409022316 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> A | N/A | N/A<br> D | N/A | N/A | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER4631 | Loan parameters do not meet guidelines | No | File is missing the personal guarantee forms for both guarantors. | 10.2.2025 Client provided executed copy of Personal Guaranty Agreement by both borrowers | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>|
| 409023441 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been living at current residence for XXX years.<br>|
| 409023480 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> A | N/A | N/A<br> C | N/A | N/A | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER4631 | Loan parameters do not meet guidelines | No | Per guidelines, Prepayment Penalty Term max allowed is XXX months (XXX years). Subject Note Addendum and Rider reflect a Prepayment Term of XXX months (XXX years). | 11/13/25 Client provided the fully executed, corrected PPP Addendum to the Note, PPP Rider to the Mortgage and tracking with letter of intent to re-record. PPP Term now XXX years. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: 0X45 mortgage payment history exceeds guide lines of XXX months.<br>|
| 409023700 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR)<br> D<br> A | D | A<br> D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> D<br> A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | Initial disclosures including LE XXX were emailed to borrower but the earliest e-consent/ XXX tracking found in file is dated XXX. Condition is pending receiving borrower's e-consent on or prior XXX | 10/14/25 Client provided the Blend Compliance Report that reflects both borrowers' initial E-Consents. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% well below the XXX% guideline maximum<br>|
| 409023700 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR)<br> D<br> A | D | A<br> D | D | A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support Appraised Value of $ XXX | 10.15.2025 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% well below the XXX% guideline maximum<br>|
| 409023784 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | Ability to Repay/Qualified Mortgage | Waived<br> C<br> B | CMPATRQM2970 | TILA - Loan is a non-QM loan with documented ATR UW factors; points and fees exceed client's 3% guideline. | No | The loan failed the Points and Fees test. The total adjusted charges of $XXX exceed the XXX% cap of $XXX based on the total loan amount of $XXX. This results in a margin of $XXX over the allowable limit, equating to XXX in total charges. | 10.16.2025 Client provided exception approval to allow for Non QM with points and fees exceeding Client's XXX% guideline. | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors: Fico score XXX with LTV of XXX% and verified reserves of XXX months | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>|
| 409023784 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Unable to test a loan product due to missing initial CD. | 10/22/25 Client provided the missing XXX Initial CD and Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>|
| 409023784 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing initial CD acknowledged by borrowers a minimum of 3 days prior to closing. | 10/22/25 Client provided the missing XXX Initial CD and Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>|
| 409023784 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Credit | Income/Employment | Satisfied<br> B<br> A | CRDINC150 | Income docs do not meet guidelines | No | Exception for expense factor of XXX% being used which program is XXX% min. | 10.16.2025 Client provided exception approval to allow for CPA Letter stating XXX% expense factor for business, using XXX months personal bank statements. Waiver not yet applied due to other outstanding conditions on file.10.25.2025 Client provided an LOX stating CPA Letter was used to confirm the expense, and the license was verified. The CPA does not have a similar name to the borrowers. The business payments are in both borrower's name and the CPA Letter confirms the business is active. Response, per guidelines CPA/licensed tax preparer must attest that they have audited the business financial statements or reviewed working papers provided by the borrower. CPA/licensed tax preparer must attest that they are not related to the borrower or associated with the borrowers business. (Expense factor can never be less than XXX%). Waiver not yet applied to allow XXX% expense factor with CPA Letter using business calculation. 11/19 Client provided an approved exception to allow the file using the CPA letter to validate the XXX% and without updated 1003 | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>|
| 409023784 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Credit | Income/Employment | Waived<br> C<br> B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Condition added upon review of conditions and a & b (below) need to be addressed. Client is allowing CPA Letter expense of XXX% with exception approval (Loan is Non QM) (a). Initial 1003 in file for both borrowers reflect no monthly income, currently all (initial) are blank (pg 719, 727, 742, 750, 758, 773) and the initial 1003 signed by borrowers also reflect no monthly income, only Final 1003 reflect lender worksheet income calculation and (b). CPA Letter in file however missing statement from CPA: attesting that they are not related to the borrower or associated with the borrower's business. Upon receipt and review, income re-calculation is required for final DTI | 10.25.2025 Client provided an LOX stating CPA Letter was used to confirm the expense, and the license was verified. The CPA does not have a similar name to the borrowers. The business payments are in both borrower's name and the CPA Letter confirms the business is active. Response, per guidelines CPA/licensed tax preparer must attest that they have audited the business financial statements or reviewed working papers provided by the borrower. CPA/licensed tax preparer must attest that they are not related to the borrower or associated with the borrowers business. (Expense factor can never be less than XXX%, exception provided to allow XXX%). Initial conditions remains: (a). Initial 1003 reflect no monthly income for both borrowers (per guidelines: Initial URLA/1003 income must be disclosed - Income disclosed on the initial signed application should be reviewed) and (b). CPA Letter in file however missing statement from CPA: attesting that they are not related to the borrower or associated with the borrower's business (per guidelines is required). Upon receipt and review of requested documentation (a & b format above) calculation of income is required using XXX%.Note: file have an email with same guidelines (pg 459) that states CPA must attest attest that they are not related to the borrower or associated with borrower's business. 11/19 Client provided an approved exception to allow the file using the CPA letter to validate the XXX% and without updated 1003 | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>|
| 409023805 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Assets | Satisfied<br> C<br> A | CRDAST3036 | Assets reflect unsourced deposits | No | File is missing source of large deposit in the amount of $XXX deposited into XXX XXX on XXX is more than XXX% of the average deposit balance. | 10.27.2025 Client provided LOX stating, see payoff demand for other property, was part of draw based on LOX. uploaded. Received documentation to support large deposit. | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX years at current residence.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: 0X30 for all consumer debt for XXX months reviewed<br>|
| 409023805 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Income/Employment | Waived<br> D<br> B | CRDINC3204 | Income Documentation Missing | No | Missing lease for vacant unit within the last XXX months as stated in guideline for a vacant unit at origination. | 10.27.2025 Client provided executed Leases for 3 units (subject is 4 units), unit 3 is currently vacant and per guidelines unleased units XXX% of market rent from 1007 however also per guidelines: under refinance transaction: For 1-4-unit properties, there shall be no more than one vacant unit at origination (met) and any vacant unit must provide evidence of a recent lease within the last XXX(XXX) months (not met). Condition remains to verify vacant unit having evidence of a recent lease within the last XXX (XXX) months. No prior lease was provided for the vacant unit. 11.4.2025 Client provided exception approval to allow for missing prior lease within last XXX(XXX) months for vacant unit as required for refinance transaction, per guidelines | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors: Significant time (XXX years) at current residence and credit history satisfactory payment history. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX years at current residence.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: 0X30 for all consumer debt for XXX months reviewed<br>|
| 409023805 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Terms/Guidelines | Waived<br> C<br> B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Operation Agreement for Advanced. Item is required in order to used business asset. | 10.31.2025 Client provided an LOX verifying XXX% owner of XXX. however initial condition remains for copy of Operation Agreement to support % of ownership11.4.2025 Client provided exception approval to allow for missing for missing Operating Agreement for business: XXX with bank statement reflecting in Borrower name as dba XXX. | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors: Significant time (XXX years) at current residence and credit history satisfactory payment history. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX years at current residence.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: 0X30 for all consumer debt for XXX months reviewed<br>|
| 409023805 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR2300 | Missing Second Appraisal required per guidelines | No | For loan amount over $XXX a second full appraisal is required. | 10.27.2025 Client provided 2nd full appraisal dated XXX with value of $XXX; value supported and 1st appraisal value of $XXX with lessor of two values being used for LTV calculation | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX years at current residence.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: 0X30 for all consumer debt for XXX months reviewed<br>|
| 409023883 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX .<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline maximum of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves of $XXX or XXX PITI reserves exceed guidelines.<br>|
| 409023890 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: 812 qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>|
| 409023945 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> A | A | A<br> D | A | A | Credit | Legal Documents | Satisfied<br> D<br> A | CRDLGL100 | Legal document incorrect or incomplete | No | Business Purpose and Occupancy Affidavit is not executed by the borrowers. | 10.30.2025 Client provided executed Business Purpose and Non-Owner Occupancy Affidavit | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: The borrower's middle credit score is XXX, which is 80 points higher than the benchmark score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: The borrower have total cash asset reserves of $XXX, which equates to XXX months of PITIA reserves. Calculation: $XXX $XXX= XXX months of PITIA.<br>|
| 409023945 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> A | A | A<br> D | A | A | Credit | Terms/Guidelines | Satisfied<br> D<br> A | CRDTER4435 | Missing Condo/Co-op Certificate/Questionnaire | No | The loan file is missing Condo Questionnaire. | 10.24.2025 Client provided a snip shot of Freddie mac Condo Summary along with Limited/Streamlined review completed questionnaire however per guidelines: All Condo questionnaires must be on either a FNMA 1076 or FHLMC full form. Condition remains for Condo questionnaire to be on either a FNMA 1076 or FHLMC full form (per guidelines), in addition what was provided some areas are not very legible, little blur. 10.30.2025 Client provided Completed Condo questionnaire FNMA 1076 form completed and appears to meet guidelines along with maximum concentration in this project do not exceed XXX% | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: The borrower's middle credit score is XXX, which is 80 points higher than the benchmark score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: The borrower have total cash asset reserves of $XXX, which equates to XXX months of PITIA reserves. Calculation: $XXX $XXX= XXX months of PITIA.<br>|
| 409023945 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> A | A | A<br> D | A | A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR101 | Appraisal incomplete (missing map, layout, pages, etc) | No | Appraisal is missing Subject phase and project data; all data reflects 0. Once provided review will need to determine investor concentration. | 10.30.2025 Client provided Completed Condo questionnaire FNMA 1076 form completed and appears to meet guidelines along with maximum concentration in this project do not exceed XXX% and provided updated appraisal with project units completed | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: The borrower's middle credit score is XXX, which is 80 points higher than the benchmark score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: The borrower have total cash asset reserves of $XXX, which equates to XXX months of PITIA reserves. Calculation: $XXX $XXX= XXX months of PITIA.<br>|
| 409023945 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> A | A | A<br> D | A | A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR275 | Completed "Subject To" w/o Completion Cert in File | No | The appraisal report is marked subject to a required inspection based on information from the condo questionnaire. The loan file is missing both the updated appraisal report reflecting an as-is. | 10.31.2025 Client provided updated appraisal reflecting as is with reflecting Condo units info, previously appraisal was done subject to review of Condo questionnaire and now been updated and corrected to as is. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: The borrower's middle credit score is XXX, which is 80 points higher than the benchmark score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: The borrower have total cash asset reserves of $XXX, which equates to XXX months of PITIA reserves. Calculation: $XXX $XXX= XXX months of PITIA.<br>|
| 409023954 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR)<br> D<br> A | A | A<br> D | A | A | Credit | Assets | Satisfied<br> D<br> A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | The only asset is file is XXX# XXX , most recent statement is dated XXX.The following REO was purchased by the Borrower > XXX.Provide sufficient documentation for the amount and source for cash to close on below purchase.If funds are from above account, subject to asset and reserves recalc and may be subject to additional conditions upon review.1. XXX, Note in file is XXX | 10.31.2025 Client provided executed Final CD from Primary home new purchase showing cash needed to close of $XXX closed XXX and subject transaction XXX and asset statement dated XXX; assets have been adjusted to consider funds from this purchase with updated verified reserves of $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2860: Good credit history<br> - xxx Comments: XXX qualifying score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI ; max is XXX%<br>|
| 409024048 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | N/A | N/A<br> D<br> B | N/A | N/A | Credit | Insurance | Waived<br> D<br> B | CRDINSR3792 | Insurance policy missing Rent Loss/Business Interruption coverage | No | The homeowners insurance policy for the subject property does not include rent loss or business interruption coverage. | 11/12 Client provided an approved exception to allow the file without additional evidence of rent loss coverage | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Reserves exceed GLs, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: The borrower's middle credit score is XXX, which is 124 points higher than the benchmark score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: The borrower have total cash asset reserves of $XXX, which equates to XXX months of PITIA reserves. Calculation: $XXX $XXX = XXX months of PITIA.<br>|
| 409024062 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Credit | Income/Employment | Satisfied<br> B<br> A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | CPA VOE/LOE in file does not state the Borrower's Business start date.Per guidelines :'Borrowers must have XXX years history of XXXThe borrowers business is required to be in existence for the past XXX(XXX) years'Please provide. May be subject to additional conditions upon review. | 10.28.2025 Client provided SOS dated 10.3.2025 verifying over XXX years business been in existence | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>|
| 409024062 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Credit | Income/Employment | Waived<br> C<br> B | CRDINC150 | Income docs do not meet guidelines | No | Guidelines:1. 'If the bank statements support consistent withdrawals greater than deposits, that will be considered declining cashflow/income'.Withdrawals greater than deposits for the following months in XXX XXX checking account:XXX XXX XXX XXX XXX XXX XXX 2. Guidelines: 'Declining balances will require an LOE.'Balance has declined from XXX - XXX5. Provide above LOE.3. Guidelines: 'Any decline in earnings should be properly evaluated as that can result in a loan not being purchased by XXX' | 11/5 Client provided an Email that" Per our guidelines, large deposits are discretionary so I am not sure why we should question it. The fact that these seem to be consistent means that there is no need to question this. For the decline, we don't need to question unless its over XXX%. This is around XXX% " Response loan is UW to XXX Expanded GLs; Initial Condition remains for Items #1,#2 #3 11/25 Client provided an approved exception to allow the file with declining income of XXX% | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>|
| 409024181 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is 140 points above minimum program requirement of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower reserves exceed the requirement.<br>|
| 409024197 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | C | B<br> D<br> A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> C<br> B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to Appraisal fee increase on CD XXX. COC dated XXX indicates Rush fee was added however COC is not including a valid reason as to why Rush fee was added. Appraisal is dated XXX, increase in fee was not disclosed to borrower timely. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 11/18/25 Client provided an XXX PCCD with cure, LOE, $XXX refund check and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>|
| 409024197 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | C | B<br> D<br> A | C | B | Credit | Terms/Guidelines | Satisfied<br> D<br> A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing lender's 1008. 1008 in file doesn't belong to borrower. | 11.6.2025 Client provided Lender 1008 | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>|
| 409024227 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> A | N/A | N/A<br> C | N/A | N/A | Credit | Application | Satisfied<br> B<br> A | CRDAPP130 | Application is incomplete | No | Application is incomplete, need application reflecting actual properties owned that corresponds to the XXX Mortgage Statement. Application provided reflects REO XXX subject to XXX Mortgage, however there is a Verification of Rent from Landlord for XXX (reflected on CBR XXX XXX). XXX statement reflects property address XXX | 10/29 Client provided an Email allowing the 1003 without all REOs listed | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is 16 points above minimum program requirement of XXX<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Borrower has 0x30 on private mortgage history (VOM). CBR reflects 0x30 XXX months and 0x30 XXX months on VOR.<br>|
| 409024227 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> A | N/A | N/A<br> C | N/A | N/A | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER4631 | Loan parameters do not meet guidelines | No | Missing Guaranty Agreement | 10.16.2025 Client provided executed Guaranty Agreement | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is 16 points above minimum program requirement of XXX<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Borrower has 0x30 on private mortgage history (VOM). CBR reflects 0x30 XXX months and 0x30 XXX months on VOR.<br>|
| 409024238 | XXXXXX | XXXXXX | ATR/QM: Not Provided | ATR/QM: Exempt<br> C<br> B<br> A | C | A<br> C<br> B | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> C<br> A | CMPATRQM2970 | TILA - Loan is a non-QM loan with documented ATR UW factors; points and fees exceed client's 3% guideline. | No | Loan declared QM Not provided from lender/client; xxx status is NONQM due to fees too high (adjusted charges are $XXX, max allowed is $XXX; $XXXtoo high). | 10/27/2025 client provided business use form. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>|
| 409024238 | XXXXXX | XXXXXX | ATR/QM: Not Provided | ATR/QM: Exempt<br> C<br> B<br> A | C | A<br> C<br> B | C | A | Credit | Insurance | Waived<br> B | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Insurance Effective Date XXX is greater than the transaction date of XXX . Per final CD disbursement date is XXX Condition Waived | Client provided waiver for hazard insurance not in effect at time of closing, however valid at time of delivery to XXX for purchase review | xxx initial and final grade of B | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>|
| 409024308 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR)<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower's revolving credit utilization is XXX%.<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Borrower has had timely payments on credit report for their mortgage history.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrower's FICO of XXX exceeds minimum of XXX per guidelines.<br>|
| 409024308 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR)<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Credit | Assets | Waived<br> C<br> B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Per guidelines, XXX months reserves required for LTV/CLTV/HLTV greater than or equal to XXX% for Alternative Income Method loan transactions. An additional XXX months reserves PITIA for each property is required based on the PITIA of the additional REO. | 10/17 Client provided an exception to allow the file without additonal reserves | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower's revolving credit utilization is XXX%.<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Borrower has had timely payments on credit report for their mortgage history.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrower's FICO of XXX exceeds minimum of XXX per guidelines.<br>|
| 409024308 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR)<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Credit | Terms/Guidelines | Waived<br> C<br> B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Business Narrative. | 10/17 client provided an approved exception to allow the file without the Narrative | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower's revolving credit utilization is XXX%.<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Borrower has had timely payments on credit report for their mortgage history.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Borrower's FICO of XXX exceeds minimum of XXX per guidelines.<br>|
| 409024310 | XXXXXX | XXXXXX | ATR/QM: Not Provided | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Assets | Waived<br> D<br> B | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing XXX statement from XXX#XXX to meet the required XXX month asset required documentation. | 10/17 Client provided an approved exception to allow the file with XXX month statements | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of XXX is below max allowed of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds product minimum of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX in reserves exceeds required 6 month of XXX =XXX plus XXX month of all other properties XXX=$XXX<br>|
| 409024310 | XXXXXX | XXXXXX | ATR/QM: Not Provided | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | DTI | Satisfied<br> D<br> A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing proof of the homeowners association dues or confirmation not in an association for the XXX property and missing mortgage history for Private mortgage on XXX from XXX through XXX, confirming with 0X30. | 10/17 Client provided XXX with HOA dues of $XXX | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of XXX is below max allowed of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds product minimum of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX in reserves exceeds required 6 month of XXX =XXX plus XXX month of all other properties XXX=$XXX<br>|
| 409024310 | XXXXXX | XXXXXX | ATR/QM: Not Provided | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Income/Employment | Waived<br> D<br> B | CRDINC2408 | Income verification does not meet guidelines | No | Missing the following XXX XXX statements to support $XXX monthly income. XXX with net deposit $XXX (Total deposits $XXX less $XXX), XXX net deposit $XXX ($XXX less $XXX) and XXX net deposit $XXX ($XXX less $XXX). Missing XXX XXX statements to support $XXX monthly income. XXX with net deposit $XXX less $XXX), XXX net deposit $XXX and no exclusions), XXX with net $XXX and no exclusions, XXX with net $XXX with no exclusions, XXX with $XXX deposits no exclusion, XXX net dep $XXX ($XXX less $XXX), XXX with $XXX($XXX less $XXX), XXX with $XXX deposits no exclusions, XXX $XXX deposits no exclusion and XXX $XXX ($XXX less $XXX). | 10/17 Client provided an approved exception without additional asset staements | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of XXX is below max allowed of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds product minimum of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX in reserves exceeds required 6 month of XXX =XXX plus XXX month of all other properties XXX=$XXX<br>|
| 409024314 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> A | A | A<br> C | A | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied<br> C<br> A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing the required lender ATR/QM status determination. | 10/15 Client accepts determination of NON QM | SAtisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXXMonths<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > XXX Months<br>|
| 409024329 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> A | A | A<br> D | A | A | Credit | Application | Satisfied<br> D<br> A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing Citizenship Documentation | 10.16.2025 Client provided updated 1003 with correcting of B2 to US Citizens vs permanent resident alien and provided copy of SS cards along with SS verification of social security number for B2; appears permanent resident alien was marked by mistake. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX<br>|
| 409024332 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> C | A | A<br> D<br> B<br> C | A | A | Credit | Assets | Waived<br> B | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing second consecutive asset statements for XXX XXX , XXX XXX, and XXX XXX. Any large deposits must be explained and documented. | 10/15 Client provided an approved exception to allow the file with XXX month assets | Satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Mortgage reports XXX mos. 0x30.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrowers have minimal use of consumer credit. Credit line usage XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Representative credit score XXX above program requirement XXX.<br>|
| 409024332 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> C | A | A<br> D<br> B<br> C | A | A | Credit | Assets | Waived<br> C<br> B | CRDAST3036 | Assets reflect unsourced deposits | No | Missing documentation to support source of large deposit of $XXX on XXX to XXX XXX. | 10/16 Client provided an approved exception to allow the file without the large deposit sourced $XXX | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Mortgage reports XXX mos. 0x30.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrowers have minimal use of consumer credit. Credit line usage XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Representative credit score XXX above program requirement XXX.<br>|
| 409024332 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> C | A | A<br> D<br> B<br> C | A | A | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | 1. Missing subject market rent addendum to support market rent $XXX used to qualify. 2. Missing proof of rental income (leases) if applicable. | 10/15 Client provided 1007 supporting $XXX | Satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Mortgage reports XXX mos. 0x30.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrowers have minimal use of consumer credit. Credit line usage XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Representative credit score XXX above program requirement XXX.<br>|
| 409024332 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> C | A | A<br> D<br> B<br> C | A | A | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing evidence that XXX property is an income producing property as required by guidelines to support borrowers are experienced with investment properties. | 10/15 client provided an approved exception to allow the file without additional evidence of experienced investor | Satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Mortgage reports XXX mos. 0x30.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrowers have minimal use of consumer credit. Credit line usage XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Representative credit score XXX above program requirement XXX.<br>|
| 409024332 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> C | A | A<br> D<br> B<br> C | A | A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR100 | Missing Appraisal | No | Missing appraisal completed on Form 1073 by XXX dated XXX with market value $XXX used for subject transaction. Property in file disclosed as having short term rentals and is condotel. Appraisal to include similar short-term/condotel comps and rental for market rent comparison. Review of appraisal to confirm subject property meet guideline requirements for condotel projects. Appraisal to further support HOA expense of $XXX used to qualify. | 10/15 Client provided the appraisal dated XXX; The appraisal does not show CONDOTEL elements however does comment on short term rentals such as XXX | SAtisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Mortgage reports XXX mos. 0x30.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrowers have minimal use of consumer credit. Credit line usage XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Representative credit score XXX above program requirement XXX.<br>|
| 409024332 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> C | A | A<br> D<br> B<br> C | A | A | Property Valuations | FEMA | Waived<br> B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | No inspection since the XXX FEMA Disaster Severe Winter Storm, Straight-Line Winds, Flooding, Landslides, and Mudslides. Appraisal not in file, reviewer unable to determine if property has any damage. | (No Data) | Canceled outside XXX month lookback period per XXX | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Mortgage reports XXX mos. 0x30.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrowers have minimal use of consumer credit. Credit line usage XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Representative credit score XXX above program requirement XXX.<br>|
| 409024332 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> C | A | A<br> D<br> B<br> C | A | A | Property Valuations | Property | Satisfied<br> D<br> A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing completed condominium questionnaire completed on either FNMA 1076 or FHLMC full form as required by guidelines. Subject is part of a condo association. | 10/15 Client provided the Condo questionnaire | Satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Mortgage reports XXX mos. 0x30.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrowers have minimal use of consumer credit. Credit line usage XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Representative credit score XXX above program requirement XXX.<br>|
| 409024348 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR)<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied<br> C<br> A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing lenders ATR/QM status. Documentation was not located in file. xxx determination rebuttable presumption | 10/20 Client accepted DD determination | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves $XXX exceeds required reserves $XXX.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX years XXX months in same line of work.<br>|
| 409024348 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR)<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Income/Employment | Satisfied<br> D<br> A | CRDINC3204 | Income Documentation Missing | No | Missing lender's XXX mo. business bank statement calculation. | 10/20 Client provided Bank statement income WS | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves $XXX exceeds required reserves $XXX.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX years XXX months in same line of work.<br>|
| 409024348 | XXXXXX | XXXXXX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR)<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Income/Employment | Waived<br> D<br> B | CRDINC2408 | Income verification does not meet guidelines | No | Missing fully executed Business Narrative. The CPA letter in file does not identify where the business is located; number of employees, full time/part time and contractors; description of the type of business (does it involves sales of goods or services, if goods estimated costs and type of goods sold); are there any large trucks, materials or requirement; and/or any other details that support the analysis of business to expenses. | 10/20 Client provided an approved exception to allow the file without the Narrative | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX years at current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves $XXX exceeds required reserves $XXX.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX years XXX months in same line of work.<br>|
| 409024354 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>|
| 409024354 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Credit | Assets | Waived<br> C<br> B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | $XXX or XXX months PITI. XXX months is required. Provide additional assets | 10/18 Client provided an approved exception to allow the file with XXX months reserves | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>|
| 409024354 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing 1008 | 10/18 Client provided the 1008 | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>|
| 409024372 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Credit | Income/Employment | Waived<br> C<br> B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Client qualified using $XXX rent from 1007; File has a lease valid through XXX which appears to be for $XXX per month; However, the lease has a typo indicating the rent is " one thousand fifty dollars $XXX" ; Client to provide a corrected lease supporting $XXX and evidence of receipt of $XXX per month with a bank statement or canceled check | 10/14 Client provided an approved exception to allow the file with the typo on lease using $XXX | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX score with XXX Min<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DSCR is XXX and the min DSCR is XXX<br>|
| 409024412 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> A | N/A | N/A<br> D | N/A | N/A | Credit | Legal Documents | Satisfied<br> D<br> A | CRDLGL100 | Legal document incorrect or incomplete | No | Provide Personal Guarantor Form. | 10.1.2025 Client provided executed Guaranty Agreement along with executed Personal Guaranty Agreement | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Mortgage payment history shows no derogatory events since account opened XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $XXX, required reserves are $XXX.<br>|
| 409024553 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | C | A<br> D<br> B | C | A | Compliance | Right of Rescission | Satisfied<br> C<br> A | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | ROR signed on XXX with end of rescission date XXX Final CD XXX with disbursement date 10/21/2025. Final CD signed XXX Disbursement date is before end of statutory rescission period. Condition is pending receiving final ALTA statement with later disbursement date and corrected PCD with LOE and proof of delivery to borrower | 11/13/25 Client provided the stamped Final ALTA and corrected XXX PCCD reflecting the later Disbursement on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX employed since XXX<br>|
| 409024553 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | C | A<br> D<br> B | C | A | Credit | Income/Employment | Waived<br> D<br> B | CRDINC2408 | Income verification does not meet guidelines | No | Provide the following, may be subject to additional conditions upon review.1. Signed CPA LOE that XXX% is the business expense factor2. "Signed and dated 3rd party P&L covering the same dates as the bank statements from a CPA or a Third-Party Tax Preparer. UNLESS the fixed expense ratio is used for qualifying as listed in Business Bank Statement section. (Expense factor can never be less than XXX%) | 12/3 Client provided an approved exception to allow the file using XXX% expense factor without CPA expense factor verification | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX employed since XXX<br>|
| 409024553 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> D<br> B<br> A | C | A<br> D<br> B | C | A | Credit | Legal Documents | Satisfied<br> D<br> A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Please provide below for XXX HELOC on subject. May be subject to additional conditions upon review.Guides:"If subject transaction is paying off a HELOC that is not included in the CLTV/HCLTV calculation, the loan file must contain evidence the HELOC has been closed." | 11.21.2025 Client provided executed by Borrowers requesting closure of HELOC w/XXX upon receipt of payoff | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX employed since XXX<br>|
| 409024649 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>|
| 409024665 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> A | A | A<br> D | A | A | Credit | Insurance | Satisfied<br> D<br> A | CRDINSR3792 | Insurance policy missing Rent Loss/Business Interruption coverage | No | The insurance policy for the subject property is missing rent loss or business interruption coverage. | 10.28.2025 Client provided HOI policy however do not reflect rent loss coverage, initial condition remains 11.13.2025 Client provided email LOX from HOI stating, rental loss coverage is coverage D on the policy. Response, HOI policy in file and previously provided do not reflect a coverage D, only reflect coverage A, E and F. Condition remains for HOI policy with rent loss coverage or D coverage. 11.17.2025 Client provided HOI policy reflecting D Coverage/Loss of Use $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: The borrower's middle credit score is XXX, which is 52 points higher than the benchmark score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: The borrower have total cash asset reserves of $XXX, which equates to XXX months of PITIA reserves. Calculation: $XXX $XXX = XXX months of PITIA.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - xxx Comments: The borrower have not had any 30-day, 60-day, or 90-day late payments on the XXX mortgage accounts within the last XXX months.<br>|
| 409024865 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close assets are $XXX or XXX months piti reserves. XXX required.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: XXX% consumer credit utilization in file<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying fico is XXX. G/l min is XXX<br>|
| 409024872 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> B<br> A | N/A | N/A<br> C<br> B | N/A | N/A | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER4238 | Business entity does not meet guidelines | No | Missing By-Laws, EIN and evidence of good standing for borrowing entity, XXX | 10-14-25 Client replied: please see the uploaded docs10-17-25 Client emailed: per UW - the state documentation uploaded previously states the business as active, thats proof its in good standing with the state. | 10-14-25 xxx reviewed Articles of Incorporation and Operating agreement. Borrowing entity is a corporation which Guidelines (sec 1.3.6.2.2) require By Laws and all amendments, Evidence of good standing and EIN/Tax identification number.Note: Operating agreement provided states it is in accordance with the Limited Liability Company law of the state of Florida, however borrowing entity is a Corporation. Still missing By Laws, good standing and EIN/Tax ID. Exception remains. 10-17-25 xxx reviewed client explanation and State search which reflects status as active. State search with active status is acceptable as good standing per client. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash Reserves $XXX, XXX months reserves, XXX required<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds the minimum of XXX<br>CFCFS1746: Significant housing expense reduction<br> - xxx Comments: Payment reduced $XXX/month or XXX%<br>|
| 409024872 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> B<br> A | N/A | N/A<br> C<br> B | N/A | N/A | Credit | Terms/Guidelines | Waived<br> B | CRDTER113 | Loan amount is below guideline minimum | No | Loan amount is below the $XXX minimum. Loan closed at $XXX. Exception approved to allow lower loan amount | 10.29.2025 - Acknowledged by client. | 10.29.2025 - Non material exception remains. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash Reserves $XXX, XXX months reserves, XXX required<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds the minimum of XXX<br>CFCFS1746: Significant housing expense reduction<br> - xxx Comments: Payment reduced $XXX/month or XXX%<br>|
| 409024890 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> A | D | A<br> D | D | A | Compliance | Documentation | Satisfied<br> D<br> A | CMPDOC3280 | One or more Applications in file are incomplete | No | Missing the co-borrower's 1003. | 10-17-25 Client replied: Please see the uploaded 1003 for B2 | 10-17-25 xxx reviewed application and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV is XXX%; maximum LTV allowed per guidelines is XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX months piti reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying fico is XXX. G/l min is XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months of 0x30 prior mortgage history on co-borrowers CBR.<br>|
| 409024890 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> A | D | A<br> D | D | A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Missing the second appraisal (XXX dated XXX) documented in the file by the UCDP and the XXX File contains a XXX appraisal on subject property $XXX. File also contained an AVM and CDA supporting value of the XXX appraisal by Andrea Abbott. | 10-17-25 Client replied: Please see the uploaded appraisal | 10-17-25 xxx reviewed appraisal and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV is XXX%; maximum LTV allowed per guidelines is XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX months piti reserves<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying fico is XXX. G/l min is XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months of 0x30 prior mortgage history on co-borrowers CBR.<br>|
| 409024899 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> A | A | A<br> D | A | A | Credit | Insurance | Satisfied<br> D<br> A | CRDINSR848 | Missing Hazard Insurance | No | Missing Hazard Insurance | 10-14-25 Client uploaded HOI. | 10-17-25 xxx reviewed and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Median FICO of XXX exceeds the guideline program minimum of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post closing reserves $XXX, XXXmonths; 3months reserves required.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: Consumer credit history shows no derogs and all accounts are paid as agreed<br>|
| 409024912 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrower has XXX years of mortgage history and only XXX months are required.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been at current residence for XXX years.<br>|
| 409024934 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX months of reserves exceeds guideline requirements of XXX months.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV for Subject Property is below guideline max LTV of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Median FICO XXX > 91 points above guideline program minimum of XXX.<br>|
| 409024940 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Median FICO XXX >71 points above guideline program minimum of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV for Subject Property is below guideline max LTV of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX months of reserves exceeds guideline requirements of XXX months.<br>|
| 409024945 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> B<br> A | N/A | N/A<br> B | N/A | N/A | Credit | Credit/Mtg History | Waived<br> B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | VOM from XXX indicates n/a for monthly payment of P&I only. Provide a copy of the note to verify that this loan requires a monthly payment and is not a XXX loan. If loan is a XXX loan Guidelines require it be considered a cash out refinance with a maximum LTV of XXX%. (Sec 1.4.1.2)Note: Additional exceptions may be required. | 10.29.2025 - Acknowledged by client. | 10.29.2025 - Non material exception remains. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower has minimal revolving credit use at XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets: $XXX cash reserves or XXX months PITI reserves exceed required reserves of ($XXX x XXX = $XXX).<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Representative score of XXX exceeds guidelines. XXX minimum based on rate term refinance.<br>|
| 409024952 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is above the required XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves= $XXX, XXX months. XXX months required.<br>|
| 409024961 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: 0x30 x XXX months (via consecutive payment histories) > max permitted of 1x30 xXXX<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Minimal usage of available revolving credit lines @ XXX%<br>CFCFS2860: Good credit history<br> - xxx Comments: Consumer debt: 0x30 x greater than XXX months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post closing assets $XXX, XXX months PITIA reserves) > min reserves required of $XXX.<br>|
| 409025000 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is 71 points above minimum program requirement of XXX.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower is using XXX% of available revolving credit.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrowers have 0x30xXXX months mortgage payment history exceeding guideline requirement of 1x30xXXX.<br>|
| 409025002 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of XXX is below guideline requirement max of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or months PITI reserves exceed required reserves of ($XXX x XXX = $XXX).<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of XXX is below guideline requirement max of XXX.<br>|
| 409025003 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Credit/Mtg History | Waived<br> B | CRDCRMH120 | Collections, charge offs, liens, etc. exceed guidelines | No | Borrower NSFs on bank statements exceeds guidelines, see 1.7.6.3. Borrower has had 1 NSF on XXX XXX in past XXX months and 6 additional NSFs in past XXX months with only 3 allowed. | 10-16-25: Client sends acceptance of B grade. 11.17.2025 - Client Acknowledged. | 10-16-25: xxx reviewed client acceptance of B grade, exception remains. 11.17.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Median FICO XXX > 66 points above guideline program minimum of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Borrowers DTI of XXX% is below the minimum program requirements of XXX%<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been at current residence for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX, XXXmonths of post close reserves and XXX month of reserves are required.<br>|
| 409025003 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | LTV/CLTV | Waived<br> B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV is XXX%, maximum LTV on rural property is XXX%. xxx considers this non material due to borrower credit score of XXX/XXX, DTI of XXX%/XXX%, XXX months reserves with XXX required, and housing stability with XXX years at current residence. | 10-16-25: Client accepts B grade. 11.17.2025 - Client Acknowledged. | 10-16-25: xxx reviewed client acceptance of B grade, exception remains. 11.17.2025 - Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Median FICO XXX > 66 points above guideline program minimum of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Borrowers DTI of XXX% is below the minimum program requirements of XXX%<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been at current residence for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX, XXXmonths of post close reserves and XXX month of reserves are required.<br>|
| 409025003 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Property Valuations | Appraisal | Satisfied<br> C<br> A | PRVAAPPR4463 | UCDP - File is missing evidence that appraisal report was successfully submitted to UCDP | No | Missing UCDP | 10-16-25: Client uploaded FNMA UCDP. | 10-16-25: xxx reviewed FNMA UCDP, CU score is 1.0. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Median FICO XXX > 66 points above guideline program minimum of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Borrowers DTI of XXX% is below the minimum program requirements of XXX%<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been at current residence for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX, XXXmonths of post close reserves and XXX month of reserves are required.<br>|
| 409025003 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support appraised value. | 10-16-25: Client uploaded FNMA UCDP. | 10-16-25: xxx reviewed FNMA UCDP, CU score is 1.0. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Median FICO XXX > 66 points above guideline program minimum of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Borrowers DTI of XXX% is below the minimum program requirements of XXX%<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been at current residence for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX, XXXmonths of post close reserves and XXX month of reserves are required.<br>|
| 409025007 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: XXXmonths of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI reserves exceed required reserves of ($XXX x XXX= $XXX).<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Representative score of XXX exceeds guidelines.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI of XXX is below guideline requirement max of XXX.<br>|
| 409025011 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | N/A | N/A<br> D<br> B | N/A | N/A | Credit | Application | Satisfied<br> D<br> A | CRDAPP130 | Application is incomplete | No | Residency Status section has Borrower marked as an US Citizen. Documentation provided verifies Borrower is a Non-Permanent Resident Alien. Please provide corrected application. | 10-8-25: client uploaded loan application which confirms borrower is Non Permanent Resident Alien. | 10-8-25: xxx reviewed loan application which confirms borrower is Non Permanent Resident Alien. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets: $XXX, XXX months; XXX months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is above the required XXX.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower has minimal credit usage ratio of XXX%.<br>|
| 409025011 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | N/A | N/A<br> D<br> B | N/A | N/A | Credit | Credit/Mtg History | Waived<br> B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Borrower is a 1st time investor. Application states Borrower has owned primary for XXX years. Only XXX months of mortgage payment history documented in File. Please provide verification of primary residence purchase date and prior mortgage history if applicable. | 10-8-15: client states acceptance of B grade.10.29.2025 - Acknowledged by client. | 10-8-25: client accepts B grade, exception remains.10.29.2025 - Non material exception remains. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets: $XXX, XXX months; XXX months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is above the required XXX.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower has minimal credit usage ratio of XXX%.<br>|
| 409025016 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - xxx Comments: XXX% consumer credit utilization in file<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying fico is XXX. G/l min is XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX months piti reserves. XXX required.<br>|
| 409025020 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been at current residence for XXX years<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV is XXX%. G/l max is XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying fico is XXX. G/l min is XXX<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: XXX% consumer credit utilization in file<br>|
| 409025040 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> A | A | A<br> D | A | A | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support the original appraised value =$XXX | 10-16-25 Client uploaded CDA. | 10-16-25 xxx reviewed CDA and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX mid-score per CBR.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years living at primary residence.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years employed with XXX<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: XXX months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX months of reserves in file.<br>|
| 409025050 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is above the required XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves: $XXX or XXX months of PITIA. XXX months required.<br>|
| 409025055 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is 13 points above minimum program requirement of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX/XXXPITIA which is > guideline minimum of XXX months PITIA.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrowers have 0x30xXXX months mortgage payment history exceeding guideline requirement of 1x30xXXX.<br>|
| 409025058 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of XXX% is below the guideline maximum of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Verified credit score XXX. The guideline minimum is XXX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been in current residence XXX years.<br>|
| 409025109 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been at current residence for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV of XXX% is below guideline max LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score of XXX is below guideline minimum credit score of XXX.<br>|
| 409025130 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Assets | Waived<br> D<br> B | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing 2 most recent months of both XXX XXX and XXX XXX. Missing gift documentation for $XXX from XXX XXX XXX. Missing proof of sufficient funds to cover gift are in the donors account and copy of the donors check to closing agent or cd/settlement statement showing receipt of the donors gift. Per guideline. | 11.13.2025 Client provided copy of Gift Letter $XXX and evidence of wire to title company on XXX (day of closing); condition remains for missing additional month bank statement for both: XXX#XXX and XXX#XXX11/19 Client provided an approved exception to allow the file with XXX month statement | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months of 0X30 for the heloc, XXX months on the mortgage 0X30 per credit report. XXX months reviewed per product<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is 127 points above minimum program requirement of XXX.<br>|
| 409025130 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Insurance | Waived<br> D<br> B | CRDINSR3792 | Insurance policy missing Rent Loss/Business Interruption coverage | No | Insurance is missing Rent Loss coverage | 11/19 Client provided an approved exception to allow the file without evidence of rent loss coverage | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months of 0X30 for the heloc, XXX months on the mortgage 0X30 per credit report. XXX months reviewed per product<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is 127 points above minimum program requirement of XXX.<br>|
| 409025130 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Title | Satisfied<br> C<br> A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Title missing 2 of the 4 names on the mortgage; XXX and XXX | 10.30.2025 Client provided Final Title reflecting all 4 names matching Mortgage vesting | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months of 0X30 for the heloc, XXX months on the mortgage 0X30 per credit report. XXX months reviewed per product<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is 127 points above minimum program requirement of XXX.<br>|
| 409025314 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years, XXX months at primary residence.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months rated.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX/XXX sufficient to cover the reserve requirements $XXX \* XXX =$XXX.<br>|
| 409025318 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | N/A | N/A<br> D<br> B | N/A | N/A | Credit | Assets | Waived<br> D<br> B | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing 2 consecutive months of assets XXX XXX as required by guideline. | 10.25.2025 Client provided exception approval to allow for one month asset bank statements for both accounts | Upon further review by Senior Underwriter, exception is deemed non-material. Exception is approved, B Grade with compensating factors: Fico score XXX with satisfactory mortgage payment history (over XXX months) | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months mortgage history with 0X30.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Score XXX exceeds the program minimum score of XXX by 27 point.<br>|
| 409025318 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | N/A | N/A<br> D<br> B | N/A | N/A | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER4631 | Loan parameters do not meet guidelines | No | Missing Guaranty Agreement | 10.25.2025 Client provided executed Guaranty Agreement | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months mortgage history with 0X30.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Score XXX exceeds the program minimum score of XXX by 27 point.<br>|
| 409025318 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | N/A | N/A<br> D<br> B | N/A | N/A | Credit | Title | Satisfied<br> D<br> A | CRDTIL865 | Title incomplete | No | Missing all schedules for the title commitment. | 10.30.2025 Client provided copy of Title Commitment however will need copy of Final Title or updated Title with clearance of Financing Statement regarding XXX that is reflected on Title (#17 and #20 and #21 and #22 regarding XXX. Condition remains for final title or updated title with clearance of XXX and XXX 3 XXX info verification being received/cleared.10.31.2025 Client provided Title Commitment dated XXX that reflect #17 Financing statement XXX regarding Solar and provided appears to be the initial XXX documentation however still missing evidence of clearance of XXX on title or evidence of termination of this XXX for XXX. Condition remain: provide Final Title or evidence of termination of XXX statement #17 on Title. 11.17.2025 Client provided copy of Solar Purchase Agreement from when Seller purchased XXX and provided copy of Transfer of XXX Agreement signed by Seller and Borrower | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months mortgage history with 0X30.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Score XXX exceeds the program minimum score of XXX by 27 point.<br>|
| 409025328 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> A | N/A | N/A<br> D | N/A | N/A | Credit | Assets | Satisfied<br> D<br> A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing 1031 exchange documentation to support $XXX in assets | 10.29.2025 Client provided executed HUD-1's (total of 3) that is being used towards purchase of subject from 1031 exchange with funds ($XXX) being listed on subject CD as Proceeds from 1031 ExchangeHUD-1 1031 exchanged properties:XXX and XXX. and XXX. In addition, Letter from Sr. Exhange Officer stating the same and is an I.R.S. Section 1031 Tax Deferred Exchange and state funds where being held as of XXX (which is now reflected on subject CD) | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% is less than program max of XXX%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months exceeds guideline of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX in liquid assets is sufficient to cover required reserves of $XXX.<br>|
| 409025328 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> A | N/A | N/A<br> D | N/A | N/A | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Loan Agreement. | (No Data) | Canceled File has the executed Note there is no separate loan agreement | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% is less than program max of XXX%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months exceeds guideline of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX in liquid assets is sufficient to cover required reserves of $XXX.<br>|
| 409025330 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX/XXX is sufficient to cover reserve requirements $XXX \* XXX =$XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX exceed program minimum of XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: over XXX months mortgage payments with 0X30 reporting on credit<br>|
| 409025345 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> A | N/A | N/A<br> C | N/A | N/A | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing guaranty agreements for both borrowers. | 10.13.2025 Client provided executed Guaranty Agreement, executed by both borrowers and appears to be esigned vs actual wet ink signatures. | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>|
| 409025348 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Credit/Mtg History | Waived<br> B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Borrower has only 2 open trades reporting for XXX and XXX months where only one has recent activity in the past XXX months; XXX XXX Expanded program requires at least 3 trade lines reporting for XXX months or 2 reporting for XXX months with activity in past XXX months. | 10/16 Client provided an approved exception to allow the file with 2 open trades reporting for XXX and XXX months where only one has recent activity in the past XXX months | xxx final grade is B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX effective/reserves; $XXX \* XXX = $XXX reserves required.<br>|
| 409025348 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Credit | Insurance | Satisfied<br> D<br> A | CRDINSR3278 | Hazard Insurance documentation in file is incomplete | No | Missing evidence of rent loss insurance on the homeowner's policy covering a minimum of XXX mo. for the subject property for the greater of in place or market rent during the disruption. | 10/22 Client provided evidence of loss of use coverage | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX effective/reserves; $XXX \* XXX = $XXX reserves required.<br>|
| 409025349 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> D<br> A | A | A<br> D | A | A | Credit | Assets | Satisfied<br> D<br> A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | XXX acct xxx-XXX statement for XXX provided. Guideline require XXX(XXX) months most recent statement. | 10.26.2025 Client provided prior XXX XXX #XXX statements | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is 122 points above minimum program requirement of XXX<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower utilization of revolving credit is XXX%.<br>|
| 409025373 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> A | N/A | N/A<br> C | N/A | N/A | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER4631 | Loan parameters do not meet guidelines | No | Missing Guaranty Agreement | 10.27.2025 Client provided executed copy of Guaranty Agreement | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: The borrower's middle credit score is XXX, which is 128 points higher than the benchmark score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: The borrower have total cash asset reserves of $XXX, which equates to XXX months of PITIA reserves. Calculation: $XXX , $XXX = XXX months of PITIA.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - xxx Comments: The borrower have not had any 30-day, 60-day, or 90-day late payments on the Round Point Mortgage account within the last XXX months.<br>|
| 409025431 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been in current home for XXXyears.<br>CFCFS1739: Postive mortgage payment history<br> - xxx Comments: Mortgage payment history shows 0 x 30 since account opening XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves verified at $XXX, required reserves are $XXX.<br>|
| 409025590 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR)<br> A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualified credit score XXX<br>|
| 409025780 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> A | N/A | N/A<br> C | N/A | N/A | Credit | Terms/Guidelines | Satisfied<br> C<br> A | CRDTER4631 | Loan parameters do not meet guidelines | No | Missing Guaranty Agreement. | 10.25.2025 Client provided executed Personal Guaranty Agreement | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: The borrower have total cash asset reserves of $XXX, which equates to XXX months of PITIA reserves. Calculation: $XXX, $XXX = XXX months of PITIA.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: The loan-to-value (LTV) ratio is XXX%, which is XXX% below the maximum allowable LTV of XXX%.<br>|
| 409025799 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> A | A | A<br> C | A | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied<br> C<br> A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | File is missing lender's QM determination. xxx determination is Non QM | 10.25.2025 Client provided Lender ATR (Ability to Repay) worksheet however no QM or Non QM status provided. Condition remains for lender QM or Non QM status (Loan is I/O which only allow for Non QM) Note: DD Firm status is currently Non QM 10/28 Client provided NON QM determination | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline maximum of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guidelines maximum of XXX%<br>|
| 409025949 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> B | A | A<br> B | A | A | Credit | Credit/Mtg History | Waived<br> B | CRDCRMH104 | Credit score below guidelines | No | The minimum FICO score requirement for a first-time investor is XXX. The borrower's FICO score is XXX, which is below the required threshold. Additionally, there is no documentation in the file showing three years of experience managing income-producing properties, nor is there a certificate or proof of equivalent coursework in real estate property management. | 10/29 Client provided an approved exception to allow the file with a XXX score | xxx final grade is B | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - xxx Comments: The borrower have not had any 30-day, 60-day, or 90-day late payments on the Select Portfolio mortgage account within the last XXX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: The borrower has total cash asset reserves of $XXX, which equates to XXX months of PITIA reserves. Calculation: $XXX $XXX = XXX months of PITIA.<br>|
| 409025949 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> B | A | A<br> B | A | A | Credit | LTV/CLTV | Waived<br> B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Borrower appears to be First Time Investor. Max LTV for XXX credit score is XXX%. First Time Investor reduce LTV by XXX% which is XXX%. Loan closed with XXX% LTV | 10/29 Client provided an approved exception to allow the file with a XXX LTV and a first time investor | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - xxx Comments: The borrower have not had any 30-day, 60-day, or 90-day late payments on the Select Portfolio mortgage account within the last XXX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: The borrower has total cash asset reserves of $XXX, which equates to XXX months of PITIA reserves. Calculation: $XXX $XXX = XXX months of PITIA.<br>|
| 409025949 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> B | A | A<br> B | A | A | Property Valuations | Property | Waived<br> B | PRVAPROP177 | Property Issues Indicated | No | Per XXX Rural Designation Map subject property is considered Rural. Rural properties are not allowed per G/L. | 10/29 Client provided an approved exception to allow the file with a Rural property | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - xxx Comments: The borrower have not had any 30-day, 60-day, or 90-day late payments on the Select Portfolio mortgage account within the last XXX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: The borrower has total cash asset reserves of $XXX, which equates to XXX months of PITIA reserves. Calculation: $XXX $XXX = XXX months of PITIA.<br>|
| 409026011 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> C<br> A | A | A<br> C | A | A | Credit | Income/Employment | Satisfied<br> C<br> A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Lender is using $XXX/mo. qualifying income while the XXX. Bank Statement Analysis Worksheet and UW Comments reflect $XXX per month with no explanation as to why the qualifying income is considerably less. Provide detailed analysis as to why and/or how the qualifying income was calculated to $XXX/mo. with all excluded deposits/transfers and all monthly costs to the business that would reduce the income. Lender Income Worksheet should match qualifying income for the Aspire Expanded Program's Alt Doc XXX month Bank Statement Income approach. | 10.26.2025 Client provided Lender Email from VP of Credit / Risk Management stating only using XXX% as income vs XXX% as income and there will be no additional price hit. Response, it appears lender using conservative approach for the monthly income and Borrower initial 1003 do state much higher income ($XXX) and lender using $XXX for qualifying | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>|
| 409026412 | XXXXXX | XXXXXX | (No Data) | ATR/QM: Exempt<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Property Valuations | Property | Waived<br> C<br> B | PRVAPROP177 | Property Issues Indicated | No | Per XXX/XXX property is in a Rural area. Rural locations are not allowed per G/L | 11/21 Client provided an Email that" Appraiser says property is Suburban" Response; Per XXX Aspire Exp DSCR GLS " No Rural Locations As defined by the XXX Rural Designation website: XXX; Condition remains 12.3.2025 Client provided subject appraisal however do reflect as being in Rural location and is found on XXX/XXX. Condition remains 12/4 Client provided an approved exception to allow the file with a XXX rural designation | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: The borrower's middle credit score is XXX, which is 74 points higher than the benchmark score of XXX.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - xxx Comments: The borrower have not had any 30-day, 60-day, or 90-day late payments on the all mortgage accounts within the last XXX months.<br>|
| 409026526 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | C | B<br> D<br> A | C | B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied<br> C<br> A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; xxx's status determination places loan in a riskier status than the Lender's status determination. | No | Fees exceed allowable threshold of XXX%. | 11.3.2025 Client provided Non QM status | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: The borrower's middle credit score is XXX, which is points 116 higher than the benchmark score of XXX.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - xxx Comments: The borrower have not had any 30-day, 60-day, or 90-day late payments on the all mortgage accounts within the last XXX months. This exceed the guidelines of XXX months.<br>|
| 409026526 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | C | B<br> D<br> A | C | B | Compliance | Ability to Repay/Qualified Mortgage | Waived<br> C<br> B | CMPATRQM2970 | TILA - Loan is a non-QM loan with documented ATR UW factors; points and fees exceed client's 3% guideline. | No | Fees exceed allowable threshold of XXX%. | 11.3.2025 Client provided exception approval to allow for fees exceeding Clients XXX% however < XXX% | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors: LTV XXX% with fico score XXX | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: The borrower's middle credit score is XXX, which is points 116 higher than the benchmark score of XXX.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - xxx Comments: The borrower have not had any 30-day, 60-day, or 90-day late payments on the all mortgage accounts within the last XXX months. This exceed the guidelines of XXX months.<br>|
| 409026526 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | C | B<br> D<br> A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied<br> A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: The borrower's middle credit score is XXX, which is points 116 higher than the benchmark score of XXX.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - xxx Comments: The borrower have not had any 30-day, 60-day, or 90-day late payments on the all mortgage accounts within the last XXX months. This exceed the guidelines of XXX months.<br>|
| 409026526 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | C | B<br> D<br> A | C | B | Credit | DTI | Satisfied<br> C<br> A | CRDDTI187 | Debt Ratio > 60% | No | DTI condition added upon receipt, verifying of monthly HOA of $XXX for property: XXX DTI XXX% exceed guidelines maximum of XXX%Lender previously provided an updated 1003/1008 including monthly HOA and appears to have adjusted increased income. | 11.24.2025 Client provided XXX verifying monthly HOA of $XXX a month for XXX and provided updated 1003/1008 including monthly HOA on REO of 1003 for this property, lender updated DTI is XXX% and DD updated DTI is XXX% using XXX% income. Condition remains (a). DTI XXX% exceed guidelines of XXX% and (b). clarification is income now being increased using XXX% vs XXX% however per guidelines cannot be less than XXX% expense factor. 12.1.2025 Client provided Lender snapshot of total obligations of $XXX however DD Firm also have total obligations of $XXX with using income of $XXX for a DTI of XXX% and Lender was using same income of $XXX and now appears to be increasing income (with 1003/1008 and updated UW income worksheet showing income of $XXX vs $XXX) and appears to be using XXX% expense vs XXX% expense. Guidelines states cannot be less than XXX% expense factor. Condition remains with using initial income of $XXX DTI is XXX% using XXX% expense factor. 12.2.2025 Client provided CPA Letter verifying XXX% expense factor for business. Income have been re-calculated using XXX% expense factor with lender updated 1003/1008 and corrected income worksheet using XXX% expense factor vs XXX%; change in income was needed due to Lender was not considering monthly HOA of $XXX on REO property, after considering monthly HOA of $XXX DTI was XXX%. Updated DTI is now XXX% with considering XXX% expense however guidelines states, expense factor cannot be less than XXX% and CPA Letter provided do not state if having any relationship with Borrower or any affiliation with Borrower business. This condition is now being satisfied with DTI of XXX% vs XXX%; see separate condition on file for expense factor of XXX% less than guidelines minimum of XXX% | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: The borrower's middle credit score is XXX, which is points 116 higher than the benchmark score of XXX.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - xxx Comments: The borrower have not had any 30-day, 60-day, or 90-day late payments on the all mortgage accounts within the last XXX months. This exceed the guidelines of XXX months.<br>|
| 409026526 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | C | B<br> D<br> A | C | B | Credit | DTI | Satisfied<br> D<br> A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | The loan file is missing the most recent mortgage statement, property tax bill, homeowners insurance policy, and HOA statement for XXX. This property is being converted to a rental, and verification of the current PITIA is required. | 11.13.2025 Client provided copy of mortgage statements for XXX verifying PITIA payment of $XXX however still missing evidence of monthly HOA, it appears there is HOA on this departure home (XXX) and HOA was not reflected on REO of 1003 and not in DTI. Condition remains to support monthly HOA and upon receipt and review subject to DTI adjustment. 11.21.2025 Client provided income worksheet along with 1008/1003 including monthly HOA of $XXX on REO of 1003 and have updated DTI of XXX%; initial condition remains (a). Lender to clarify reason for updated income worksheet (appears to be increasing income however need to clarify reason for documents that were not requested) and (b) missing evidence of monthly HOA of $XXX that is now being included in DTI and (c). appears increase in income using XXX% vs XXX% previously, per guidelines cannot exceed XXX% expense factor. Upon receipt and review, DD Firm DTI adjustment is required to include monthly HOA (once verified) and adjustment to income if applicable. 11.24.2025 Client provided XXX verifying monthly HOA of $XXX on address: XXX updated DTI is XXX% with using XXX% expense factor which was being used for qualifying. This condition is being satisfied with receipt of verifying monthly HOA of XXX; separate condition added on file for DTI exceeding XXX% | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: The borrower's middle credit score is XXX, which is points 116 higher than the benchmark score of XXX.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - xxx Comments: The borrower have not had any 30-day, 60-day, or 90-day late payments on the all mortgage accounts within the last XXX months. This exceed the guidelines of XXX months.<br>|
| 409026526 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | C | B<br> D<br> A | C | B | Credit | Income/Employment | Waived<br> C<br> B | CRDINC889 | Income is Not Reasonable | No | Condition added upon receipt of re-calculating income using XXX% vs XXX% and with updated calculated income using XXX% expense factor monthly income of $XXX is now being used for qualifying for an updated DTI of XXX%; previous DTI was XXX% with using XXX% expense factor and including monthly undisclosed HOA of $XXX(on REO) | 12.2.2025 Client provided CPA Letter verifying XXX% expense factor for business. Income have been re-calculated using XXX% expense factor with lender updated 1003/1008 and corrected income worksheet using XXX% expense factor vs XXX%; change in income was needed due to Lender was not considering monthly HOA of $XXX on REO property, after considering monthly HOA of $XXX DTI was XXX%. Updated DTI is now XXX% with considering XXX% expense however guidelines states, expense factor cannot be less than XXX% and CPA Letter provided do not state if having any relationship with Borrower or any affiliation with Borrower business. Condition remains, updated DTI is now XXX% within guidelines however (a) expense factor used is XXX% (below guideline requirement of XXX%) and (b) CPA Letter do not state if having any relationship or affiliation. Note: Initial 1003 income by Borrower is $XXX and updated income using XXX% expense factor income is $XXX which is being used, per guidelines if initial disclosed income is significantly higher will need LOX, however appears income is not significantly ($XXX increase from stated monthly amount by Borrower) 12/5 Client provided an approved exception to allow the file without further documentation using XXX% expese factor | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: The borrower's middle credit score is XXX, which is points 116 higher than the benchmark score of XXX.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - xxx Comments: The borrower have not had any 30-day, 60-day, or 90-day late payments on the all mortgage accounts within the last XXX months. This exceed the guidelines of XXX months.<br>|
| 409026526 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | C | B<br> D<br> A | C | B | Credit | Insurance | Satisfied<br> D<br> A | CRDINSR865 | Missing proof of flood insurance in File | No | The loan file is missing the flood insurance policy for the subject property. | 10.31.2025 Client provided flood insurance for: 3558 W 86 TER Hialeah, FL; condition remains per initial condition flood insurance for subject property. 11.12.2025 Client provided copy of subject Flood insurance policy | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: The borrower's middle credit score is XXX, which is points 116 higher than the benchmark score of XXX.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - xxx Comments: The borrower have not had any 30-day, 60-day, or 90-day late payments on the all mortgage accounts within the last XXX months. This exceed the guidelines of XXX months.<br>|
| 409026526 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | C | B<br> D<br> A | C | B | Credit | Terms/Guidelines | Waived<br> C<br> B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Borrower received $XXX gift. Borrower did not contribute XXX% of own funds per Guidelines. XXX% is $XXX. Borrower contributed $XXX(Cash to Close) and $XXX EMD | 11/14 Client provided an approved exception to allow the file without the Borrower contributing XXX% | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: The borrower's middle credit score is XXX, which is points 116 higher than the benchmark score of XXX.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - xxx Comments: The borrower have not had any 30-day, 60-day, or 90-day late payments on the all mortgage accounts within the last XXX months. This exceed the guidelines of XXX months.<br>|
| 409026526 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | C | B<br> D<br> A | C | B | Property Valuations | Appraisal | Satisfied<br> C<br> A | PRVAAPPR4463 | UCDP - File is missing evidence that appraisal report was successfully submitted to UCDP | No | The loan file is missing the Fannie Mae and Freddie Mac UCDP reports. | 10.31.2025 Client provided duplicate (in file) full subject appraisal however initial condition is for 3rd party CDA valuation supporting appraised value, in addition no UCDP reports were provided with the appraisal. Condition remains 11.12.2025 Client provided copy of UCDP CU Score 2.6 in which is greater than required amount of < 2.5 or less. This condition is being satisfied with receipt of UCDP however separate condition on file for 3rd party CDA valuation supporting value | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: The borrower's middle credit score is XXX, which is points 116 higher than the benchmark score of XXX.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - xxx Comments: The borrower have not had any 30-day, 60-day, or 90-day late payments on the all mortgage accounts within the last XXX months. This exceed the guidelines of XXX months.<br>|
| 409026526 | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors<br> D<br> B<br> A | C | B<br> D<br> A | C | B | Property Valuations | Appraisal | Satisfied<br> D<br> A | PRVAAPPR3116 | Missing updated valuation | No | The loan file is missing updated property valuation. | 10.31.2025 Client provided duplicate (in file) full subject appraisal however initial condition is for 3rd party CDA valuation supporting appraised value. Condition remains for 3rd party CDA (per Fee on Final and Post CD), appears there is a CDA ordered to support value. Missing from file. 12.1.2025 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: The borrower's middle credit score is XXX, which is points 116 higher than the benchmark score of XXX.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - xxx Comments: The borrower have not had any 30-day, 60-day, or 90-day late payments on the all mortgage accounts within the last XXX months. This exceed the guidelines of XXX months.<br>|

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| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **SPIRE 2026-1** |
| **Start - End Dates:** | **5/5/2025 - 11/26/2025** |
| **Deal Loan Count:** | **171** |
| **Conditions Report 2.0** |  |
| ***Loans in Report:*** | *171* |
| ***Loans with Conditions:*** | *103* |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 409013386 | XXXXXX | XXXXXX<br> C<br> A | N/A | N/A<br> C | N/A | N/A | Not Applicable |
| 409013387 | XXXXXX | XXXXXX<br> C<br> B<br> A | N/A | N/A<br> C<br> B | N/A | N/A | Not Applicable |
| 409013436 | XXXXXX | XXXXXX<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Yes |
| 409013464 | XXXXXX | XXXXXX<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Not Applicable |
| 409013799 | XXXXXX | XXXXXX<br> C<br> A | N/A | N/A<br> C | N/A | N/A | No |
| 409013980 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409014157 | XXXXXX | XXXXXX<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Not Applicable |
| 409014945 | XXXXXX | XXXXXX<br> C<br> A | N/A | N/A<br> C | N/A | N/A | No |
| 409015890 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409016021 | XXXXXX | XXXXXX<br> B<br> A | A | A<br> B | A | A | No |
| 409016353 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | No |
| 409016611 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | Not Applicable |
| 409016615 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409017016 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | No |
| 409017211 | XXXXXX | XXXXXX<br> D<br> B<br> C<br> A | D | A<br> D<br> B<br> C | D | A | No |
| 409017241 | XXXXXX | XXXXXX<br> D<br> A<br> C | A | A<br> D<br> C | A | A | No |
| 409017322 | XXXXXX | XXXXXX<br> D<br> A | N/A | N/A<br> D | N/A | N/A | Not Applicable |
| 409017401 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409017876 | XXXXXX | XXXXXX<br> B<br> A | N/A | N/A<br> B | N/A | N/A | Not Applicable |
| 409017882 | XXXXXX | XXXXXX<br> D<br> B<br> A | N/A | N/A<br> D<br> B | N/A | N/A | Not Applicable |
| 409017885 | XXXXXX | XXXXXX<br> C<br> B<br> A | N/A | N/A<br> C<br> B | N/A | N/A | No |
| 409017888 | XXXXXX | XXXXXX<br> D<br> B<br> A | N/A | N/A<br> D<br> B | N/A | N/A | No |
| 409017898 | XXXXXX | XXXXXX<br> D<br> B<br> C | N/A | N/A<br> D<br> B<br> C | N/A | N/A | Not Applicable |
| 409017900 | XXXXXX | XXXXXX<br> D<br> B<br> A | N/A | N/A<br> D<br> B | N/A | N/A | Not Applicable |
| 409017964 | XXXXXX | XXXXXX<br> D<br> B<br> A | A | A<br> D<br> B | A | A | No |
| 409017970 | XXXXXX | XXXXXX<br> C<br> B<br> A | N/A | N/A<br> C<br> B | N/A | N/A | Not Applicable |
| 409018554 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409018746 | XXXXXX | XXXXXX<br> D<br> B<br> A | C | B<br> D<br> A | C | B | No |
| 409018863 | XXXXXX | XXXXXX<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Yes |
| 409018866 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409018996 | XXXXXX | XXXXXX<br> D<br> A | C | A<br> D | C | A | Yes |
| 409018997 | XXXXXX | XXXXXX<br> B<br> A | A | A<br> B | A | A | No |
| 409019004 | XXXXXX | XXXXXX<br> C<br> B<br> A | C | B<br> C<br> A | C | B | No |
| 409019038 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409019050 | XXXXXX | XXXXXX<br> B<br> A | A | A<br> B | A | A | Yes |
| 409019081 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409019085 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | No |
| 409019095 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | No |
| 409019099 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409019179 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409019213 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | No |
| 409019252 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | Not Applicable |
| 409019260 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | No |
| 409019262 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | No |
| 409019264 | XXXXXX | XXXXXX<br> B<br> A | N/A | N/A<br> B | N/A | N/A | No |
| 409019317 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409019319 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409019323 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409019325 | XXXXXX | XXXXXX<br> C<br> A | A | A<br> C | A | A | Not Applicable |
| 409019330 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | Not Applicable |
| 409019358 | XXXXXX | XXXXXX<br> B<br> A | N/A | N/A<br> B | N/A | N/A | No |
| 409019368 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409019372 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409019417 | XXXXXX | XXXXXX<br> C<br> A | C | A<br> C | C | A | No |
| 409019522 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409019570 | XXXXXX | XXXXXX<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Yes |
| 409019577 | XXXXXX | XXXXXX<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Yes |
| 409020698 | XXXXXX | XXXXXX<br> D<br> B<br> A | N/A | N/A<br> D<br> B | N/A | N/A | Yes |
| 409020763 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409020806 | XXXXXX | XXXXXX<br> D<br> A<br> B | D | A<br> D<br> B | D | A | Yes |
| 409020819 | XXXXXX | XXXXXX<br> D<br> A<br> B | D | A<br> D<br> B | D | A | Not Applicable |
| 409021191 | XXXXXX | XXXXXX<br> C<br> B<br> A | N/A | N/A<br> C<br> B | N/A | N/A | Not Applicable |
| 409021243 | XXXXXX | XXXXXX<br> D<br> B<br> A | D | A<br> D<br> B | D | A | Not Applicable |
| 409021327 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409021337 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409021340 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | No |
| 409021349 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | Not Applicable |
| 409021355 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | No |
| 409021359 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | No |
| 409021371 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | No |
| 409021375 | XXXXXX | XXXXXX<br> D<br> A | N/A | N/A<br> D | N/A | N/A | No |
| 409021379 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | Not Applicable |
| 409021383 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | No |
| 409021390 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | Not Applicable |
| 409021404 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409021411 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | No |
| 409021438 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | No |
| 409021455 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409021461 | XXXXXX | XXXXXX<br> B<br> A | N/A | N/A<br> B | N/A | N/A | No |
| 409021478 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | No |
| 409021483 | XXXXXX | XXXXXX<br> C<br> B<br> A | C | A<br> C<br> B | C | A | Not Applicable |
| 409021486 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | No |
| 409021502 | XXXXXX | XXXXXX<br> C<br> B<br> A | A | A<br> C<br> B | A | A | No |
| 409021517 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409021518 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | Not Applicable |
| 409021524 | XXXXXX | XXXXXX<br> D<br> A | N/A | N/A<br> D | N/A | N/A | Not Applicable |
| 409021533 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409021556 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | Not Applicable |
| 409021559 | XXXXXX | XXXXXX<br> A | A | A | A | A | Yes |
| 409021562 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | Not Applicable |
| 409021563 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | Not Applicable |
| 409021597 | XXXXXX | XXXXXX<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Not Applicable |
| 409021598 | XXXXXX | XXXXXX<br> C<br> B<br> A | C | B<br> C<br> A | C | B | Not Applicable |
| 409021621 | XXXXXX | XXXXXX<br> C<br> B<br> A | A | A<br> C<br> B | A | A | No |
| 409021679 | XXXXXX | XXXXXX<br> D<br> A | D | A<br> D | D | A | Not Applicable |
| 409021739 | XXXXXX | XXXXXX<br> C<br> B<br> A | N/A | N/A<br> C<br> B | N/A | N/A | No |
| 409021783 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409021805 | XXXXXX | XXXXXX<br> C<br> A | N/A | N/A<br> C | N/A | N/A | No |
| 409021814 | XXXXXX | XXXXXX<br> B<br> A | A | A<br> B | A | A | Not Applicable |
| 409021844 | XXXXXX | XXXXXX<br> C<br> B<br> A | N/A | N/A<br> C<br> B | N/A | N/A | Not Applicable |
| 409022010 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409022109 | XXXXXX | XXXXXX<br> C<br> A | N/A | N/A<br> C | N/A | N/A | Not Applicable |
| 409022276 | XXXXXX | XXXXXX<br> C<br> A | A | A<br> C | A | A | No |
| 409022278 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409022316 | XXXXXX | XXXXXX<br> D<br> A | N/A | N/A<br> D | N/A | N/A | Not Applicable |
| 409023441 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409023480 | XXXXXX | XXXXXX<br> C<br> A | N/A | N/A<br> C | N/A | N/A | Not Applicable |
| 409023700 | XXXXXX | XXXXXX<br> D<br> A | D | A<br> D | D | A | Not Applicable |
| 409023784 | XXXXXX | XXXXXX<br> C<br> B<br> A | C | B<br> C<br> A | C | B | No |
| 409023805 | XXXXXX | XXXXXX<br> D<br> B<br> A | A | A<br> D<br> B | A | A | No |
| 409023883 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409023890 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409023945 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | Not Applicable |
| 409023954 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | No |
| 409024048 | XXXXXX | XXXXXX<br> D<br> B<br> A | N/A | N/A<br> D<br> B | N/A | N/A | Not Applicable |
| 409024062 | XXXXXX | XXXXXX<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Yes |
| 409024181 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409024197 | XXXXXX | XXXXXX<br> D<br> B<br> A | C | B<br> D<br> A | C | B | Not Applicable |
| 409024227 | XXXXXX | XXXXXX<br> C<br> A | N/A | N/A<br> C | N/A | N/A | No |
| 409024238 | XXXXXX | XXXXXX<br> C<br> B<br> A | C | A<br> C<br> B | C | A | Not Applicable |
| 409024308 | XXXXXX | XXXXXX<br> C<br> B<br> A | A | A<br> C<br> B | A | A | No |
| 409024310 | XXXXXX | XXXXXX<br> D<br> B<br> A | A | A<br> D<br> B | A | A | No |
| 409024314 | XXXXXX | XXXXXX<br> C<br> A | A | A<br> C | A | A | Not Applicable |
| 409024329 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | Not Applicable |
| 409024332 | XXXXXX | XXXXXX<br> D<br> B<br> C | A | A<br> D<br> B<br> C | A | A | No |
| 409024348 | XXXXXX | XXXXXX<br> D<br> B<br> A | A | A<br> D<br> B | A | A | No |
| 409024354 | XXXXXX | XXXXXX<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Not Applicable |
| 409024372 | XXXXXX | XXXXXX<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Not Applicable |
| 409024412 | XXXXXX | XXXXXX<br> D<br> A | N/A | N/A<br> D | N/A | N/A | No |
| 409024553 | XXXXXX | XXXXXX<br> D<br> B<br> A | C | A<br> D<br> B | C | A | No |
| 409024649 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409024665 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | Not Applicable |
| 409024865 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | Not Applicable |
| 409024872 | XXXXXX | XXXXXX<br> C<br> B<br> A | N/A | N/A<br> C<br> B | N/A | N/A | Yes |
| 409024890 | XXXXXX | XXXXXX<br> D<br> A | D | A<br> D | D | A | Not Applicable |
| 409024899 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | Not Applicable |
| 409024912 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409024934 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409024940 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409024945 | XXXXXX | XXXXXX<br> B<br> A | N/A | N/A<br> B | N/A | N/A | No |
| 409024952 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | Not Applicable |
| 409024961 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409025000 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | Yes |
| 409025002 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409025003 | XXXXXX | XXXXXX<br> D<br> B<br> A | A | A<br> D<br> B | A | A | No |
| 409025007 | XXXXXX | XXXXXX<br> A | A | A | A | A | Not Applicable |
| 409025011 | XXXXXX | XXXXXX<br> D<br> B<br> A | N/A | N/A<br> D<br> B | N/A | N/A | No |
| 409025016 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | Not Applicable |
| 409025020 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | No |
| 409025040 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | Not Applicable |
| 409025050 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409025055 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | No |
| 409025058 | XXXXXX | XXXXXX<br> A | N/A | N/A | N/A | N/A | Not Applicable |
| 409025109 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409025130 | XXXXXX | XXXXXX<br> D<br> B<br> A | A | A<br> D<br> B | A | A | No |
| 409025314 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409025318 | XXXXXX | XXXXXX<br> D<br> B<br> A | N/A | N/A<br> D<br> B | N/A | N/A | No |
| 409025328 | XXXXXX | XXXXXX<br> D<br> A | N/A | N/A<br> D | N/A | N/A | No |
| 409025330 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409025345 | XXXXXX | XXXXXX<br> C<br> A | N/A | N/A<br> C | N/A | N/A | Not Applicable |
| 409025348 | XXXXXX | XXXXXX<br> D<br> B<br> A | A | A<br> D<br> B | A | A | Not Applicable |
| 409025349 | XXXXXX | XXXXXX<br> D<br> A | A | A<br> D | A | A | No |
| 409025373 | XXXXXX | XXXXXX<br> C<br> A | N/A | N/A<br> C | N/A | N/A | Not Applicable |
| 409025431 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409025590 | XXXXXX | XXXXXX<br> A | A | A | A | A | No |
| 409025780 | XXXXXX | XXXXXX<br> C<br> A | N/A | N/A<br> C | N/A | N/A | Not Applicable |
| 409025799 | XXXXXX | XXXXXX<br> C<br> A | A | A<br> C | A | A | Not Applicable |
| 409025949 | XXXXXX | XXXXXX<br> B | A | A<br> B | A | A | No |
| 409026011 | XXXXXX | XXXXXX<br> C<br> A | A | A<br> C | A | A | Not Applicable |
| 409026412 | XXXXXX | XXXXXX<br> C<br> B<br> A | A | A<br> C<br> B | A | A | Not Applicable |
| 409026526 | XXXXXX | XXXXXX<br> D<br> B<br> A | C | B<br> D<br> A | C | B | No |

---

## Exhibit 99.4

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Client Name:** |  |  |  |  |
| **Client Project Name:** | **SPIRE 2026-1** |  |  |  |
| **Start - End Dates:** | **5/5/2025 - 11/26/2025** | **5/5/2025 - 11/26/2025** |  |  |
| **Deal Loan Count:** | **171** |  |  |  |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |  |  |  |
| *Loans in Report* | *171* |  |  |  |
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 409017016 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409017016 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409017211 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409017241 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409017876 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409017876 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409017882 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409017882 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409017885 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409017885 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409017888 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409017888 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409017898 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409017898 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409017900 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409017900 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409019577 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409019577 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409021243 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409021621 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409021621 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409021679 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409021679 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409021844 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409021844 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409023954 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409024181 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409024181 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409024197 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409024238 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409024238 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409024238 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409024553 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409024553 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409025799 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409026526 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409016615 | XXXXX | Original Appraised Value | XXXXX | XXXXX |
| 409019213 | XXXXX | Original Appraisal Date | XXXXX | XXXXX |
| 409019252 | XXXXX | Ever in Foreclosure | XXXXX | XXXXX |
| 409019317 | XXXXX | Property Type | XXXXX | XXXXX |
| 409019319 | XXXXX | Property Type | XXXXX | XXXXX |
| 409019330 | XXXXX | Property Type | XXXXX | XXXXX |
| 409019372 | XXXXX | Property Type | XXXXX | XXXXX |
| 409021349 | XXXXX | Original Appraisal Date | XXXXX | XXXXX |
| 409021371 | XXXXX | Original Appraisal Date | XXXXX | XXXXX |
| 409021379 | XXXXX | Property Type | XXXXX | XXXXX |
| 409021383 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409021383 | XXXXX | Property Type | XXXXX | XXXXX |
| 409021404 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409021438 | XXXXX | Ever in Foreclosure | XXXXX | XXXXX |
| 409021455 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409021478 | XXXXX | Original Appraisal Date | XXXXX | XXXXX |
| 409021483 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409021502 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409021517 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409021518 | XXXXX | Original Appraisal Date | XXXXX | XXXXX |
| 409021518 | XXXXX | Property Type | XXXXX | XXXXX |
| 409021524 | XXXXX | Original Appraised Value | XXXXX | XXXXX |
| 409021533 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409021533 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409021559 | XXXXX | Property Type | XXXXX | XXXXX |
| 409024865 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409024865 | XXXXX | Original Appraisal Date | XXXXX | XXXXX |
| 409024872 | XXXXX | Credit Report Date | XXXXX | XXXXX |
| 409024899 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409024912 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409024912 | XXXXX | Property Type | XXXXX | XXXXX |
| 409024940 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409024961 | XXXXX | Number of Units | XXXXX | XXXXX |
| 409024961 | XXXXX | Property Type | XXXXX | XXXXX |
| 409025003 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409025011 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409025020 | XXXXX | Original Appraisal Date | XXXXX | XXXXX |
| 409025050 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409025058 | XXXXX | Combined LTV | XXXXX | XXXXX |

---

## Exhibit 99.5

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **SPIRE 2026-1** |
| **Start - End Dates:** | **5/5/2025 - 11/26/2025** |
| **Deal Loan Count:** | **171** |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *171* |

---

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **Bankruptcy Filing Date** | **Bankruptcy Discharge Date** | **Foreclosure Date** |
| 409013386 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.5579 | Employed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409013387 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.49 | Employed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409013436 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.294 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409013464 | QM: Rebuttable Presumption (APOR) | No | XXXXX | XXXXX | No | Yes | 20257.16 | XXXXX | 8.7058 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX | XXXXX | XXXXX | XXXXX |
| 409013799 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.6556 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409013980 | Non-QM: Lender documented all ATR UW factors | No | XXXXX | XXXXX | No | No | 2204 | XXXXX | 9.7572 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX | XXXXX | XXXXX | XXXXX |
| 409014157 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409014945 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.375 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409015890 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409016021 | Non-QM: Lender documented all ATR UW factors | No | XXXXX | XXXXX | No | No | 1600 | XXXXX | 9.1368 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX | XXXXX | XXXXX | XXXXX |
| 409016353 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409016611 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409016615 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.375 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409017016 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.25 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409017211 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1674.95 | XXXXX | 7.1759 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX | XXXXX | XXXXX | XXXXX |
| 409017241 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.6251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409017322 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.25 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409017401 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409017876 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.375 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409017882 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.375 | Employed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409017885 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.7501 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409017888 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.25 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409017898 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.1251 | Employed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409017900 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.2499 | Employed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409017964 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409017970 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 8.375 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409018554 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.8751 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409018746 | Non-QM: Lender documented all ATR UW factors | No | XXXXX | XXXXX | No | No | 13550 | XXXXX | 8.3441 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX | XXXXX | XXXXX | XXXXX |
| 409018863 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409018866 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409018996 | Non-QM: Lender documented all ATR UW factors | No | XXXXX | XXXXX | No | No | 19665.25 | XXXXX | 9.5246 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX | XXXXX | XXXXX | XXXXX |
| 409018997 | Non-QM: Lender documented all ATR UW factors | No | XXXXX | XXXXX | No | No | 10590 | XXXXX | 9.1925 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX | XXXXX | XXXXX | XXXXX |
| 409019004 | Non-QM: Lender documented all ATR UW factors | No | XXXXX | XXXXX | No | No | 4604 | XXXXX | 9.7549 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX | XXXXX | XXXXX | XXXXX |
| 409019038 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409019050 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 9.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409019081 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1894 | XXXXX | 7.8951 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX | XXXXX | XXXXX | XXXXX |
| 409019085 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 8.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409019095 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.2499 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409019099 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.999 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409019179 | Non-QM: Lender documented all ATR UW factors | No | XXXXX | XXXXX | No | No | 3451.92 | XXXXX | 7.3482 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX | XXXXX | XXXXX | XXXXX |
| 409019213 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409019252 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.8751 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409019260 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.7501 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409019262 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409019264 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409019317 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.5001 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409019319 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409019323 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.6251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409019325 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.75 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409019330 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409019358 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 8.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409019368 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409019372 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.7382 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409019417 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1603 | XXXXX | 7.3708 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX | XXXXX | XXXXX | XXXXX |
| 409019522 | QM: Rebuttable Presumption (APOR) | No | XXXXX | XXXXX | No | Yes | 2105 | XXXXX | 8.5825 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX | XXXXX | XXXXX | XXXXX |
| 409019570 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409019577 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409020698 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409020763 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.8751 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409020806 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409020819 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 4456.8 | XXXXX | 7.6898 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX | XXXXX | XXXXX | XXXXX |
| 409021191 | (No Data) | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.1251 | Employed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409021243 | Non-QM: Lender documented all ATR UW factors | No | XXXXX | XXXXX | No | No | 9315 | XXXXX | 7.3246 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX | XXXXX | XXXXX | XXXXX |
| 409021327 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409021337 | Non-QM: Lender documented all ATR UW factors | No | XXXXX | XXXXX | No | No | 13205 | XXXXX | 8.1888 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX | XXXXX | XXXXX | XXXXX |
| 409021340 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409021349 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.8433 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409021355 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409021359 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409021371 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.8433 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409021375 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409021379 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409021383 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.1251 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409021390 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.625 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409021404 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409021411 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409021438 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 8.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409021455 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409021461 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.875 | Unemployed | Unemployed | (No Data) | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409021478 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409021483 | Non-QM: Lender documented all ATR UW factors | No | XXXXX | XXXXX | No | No | 21390 | XXXXX | 7.8384 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX | XXXXX | XXXXX | XXXXX |
| 409021486 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.5 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409021502 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.5 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409021517 | Non-QM: Lender documented all ATR UW factors | No | XXXXX | XXXXX | No | No | 28365 | XXXXX | 8.3694 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX | XXXXX | XXXXX | XXXXX |
| 409021518 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409021524 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.1251 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409021533 | Non-QM: Lender documented all ATR UW factors | No | XXXXX | XXXXX | No | No | 11411.25 | XXXXX | 7.2937 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX | XXXXX | XXXXX | XXXXX |
| 409021556 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409021559 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409021562 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409021563 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409021597 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409021598 | Non-QM: Lender documented all ATR UW factors | No | XXXXX | XXXXX | No | No | 7000 | XXXXX | 8.5036 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX | XXXXX | XXXXX | XXXXX |
| 409021621 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409021679 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409021739 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.2014 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409021783 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.875 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409021805 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.875 | Unemployed | Unemployed | Non-Resident Alien | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409021814 | Non-QM: Lender documented all ATR UW factors | No | XXXXX | XXXXX | No | No | 3099.61 | XXXXX | 9.0024 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX | XXXXX | XXXXX | XXXXX |
| 409021844 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.25 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409022010 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409022109 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.5 | Employed | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409022276 | QM: Rebuttable Presumption (APOR) | No | XXXXX | XXXXX | No | Yes | 41895 | XXXXX | 8.4115 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX | XXXXX | XXXXX | XXXXX |
| 409022278 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 1515 | XXXXX | 7.3931 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX | XXXXX | XXXXX | XXXXX |
| 409022316 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.75 | Employed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409023441 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409023480 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409023700 | QM: Rebuttable Presumption (APOR) | No | XXXXX | XXXXX | No | Yes | 1695 | XXXXX | 8.1411 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX | XXXXX | XXXXX | XXXXX |
| 409023784 | Non-QM: Lender documented all ATR UW factors | No | XXXXX | XXXXX | No | No | 12533 | XXXXX | 6.804 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX | XXXXX | XXXXX | XXXXX |
| 409023805 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 8.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409023883 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 5.6251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409023890 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 3789 | XXXXX | 6.7835 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX | XXXXX | XXXXX | XXXXX |
| 409023945 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.25 | Unemployed | Unemployed | U.S. Citizen | Permanent Resident Alien | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409023954 | QM: Rebuttable Presumption (APOR) | No | XXXXX | XXXXX | No | Yes | 2315 | XXXXX | 8.1024 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX | XXXXX | XXXXX | XXXXX |
| 409024048 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409024062 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.625 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409024181 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.5 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409024197 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 4520 | XXXXX | 6.289 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX | XXXXX | XXXXX | XXXXX |
| 409024227 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.5 | Employed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409024238 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 5555 | XXXXX | 6.8791 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX | XXXXX | XXXXX | XXXXX |
| 409024308 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 7533.88 | XXXXX | 7.4479 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX | XXXXX | XXXXX | XXXXX |
| 409024310 | Non-QM: Lender documented all ATR UW factors | No | XXXXX | XXXXX | No | No | 6340.05 | XXXXX | 8.7895 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | No | XXXXX | XXXXX | XXXXX | XXXXX |
| 409024314 | Non-QM: Lender documented all ATR UW factors | No | XXXXX | XXXXX | No | No | 18625 | XXXXX | 8.7451 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX | XXXXX | XXXXX | XXXXX |
| 409024329 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.2499 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409024332 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.1251 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409024348 | QM: Rebuttable Presumption (APOR) | No | XXXXX | XXXXX | No | Yes | 4543 | XXXXX | 8.6815 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX | XXXXX | XXXXX | XXXXX |
| 409024354 | Non-QM: Lender documented all ATR UW factors | No | XXXXX | XXXXX | No | No | 8804.1 | XXXXX | 9.4583 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX | XXXXX | XXXXX | XXXXX |
| 409024372 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.625 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409024412 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.375 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409024553 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 4395 | XXXXX | 6.9962 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX | XXXXX | XXXXX | XXXXX |
| 409024649 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.375 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409024665 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 8.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409024865 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 8.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409024872 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 8.125 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409024890 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.75 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409024899 | Non-QM: Lender documented all ATR UW factors | No | XXXXX | XXXXX | No | No | 1340.58 | XXXXX | 7.3237 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX | XXXXX | XXXXX | XXXXX |
| 409024912 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409024934 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409024940 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.625 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409024945 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409024952 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 8.0001 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409024961 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.375 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409025000 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.5 | Unemployed | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409025002 | Non-QM: Lender documented all ATR UW factors | No | XXXXX | XXXXX | No | No | 11335 | XXXXX | 6.899 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX | XXXXX | XXXXX | XXXXX |
| 409025003 | Non-QM: Lender documented all ATR UW factors | No | XXXXX | XXXXX | No | No | 18411.6 | XXXXX | 7.9682 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX | XXXXX | XXXXX | XXXXX |
| 409025007 | Non-QM: Lender documented all ATR UW factors | No | XXXXX | XXXXX | No | No | 23023.75 | XXXXX | 7.4241 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX | XXXXX | XXXXX | XXXXX |
| 409025011 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.1251 | Unemployed | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409025016 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.1251 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409025020 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409025040 | Non-QM: Lender documented all ATR UW factors | No | XXXXX | XXXXX | No | No | 8340 | XXXXX | 7.6215 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX | XXXXX | XXXXX | XXXXX |
| 409025050 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.875 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409025055 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.7501 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409025058 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409025109 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.1251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409025130 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409025314 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 8.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409025318 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.1251 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409025328 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409025330 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.25 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409025345 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.75 | Employed | Employed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409025348 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409025349 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409025373 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 6.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409025431 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 9.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409025590 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2570 | XXXXX | 7.6792 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX | XXXXX | XXXXX | XXXXX |
| 409025780 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409025799 | Non-QM: Lender documented all ATR UW factors | No | XXXXX | XXXXX | No | No | 5625 | XXXXX | 7.4426 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX | XXXXX | XXXXX | XXXXX |
| 409025949 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 8.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409026011 | Non-QM: Lender documented all ATR UW factors | No | XXXXX | XXXXX | No | No | 7567.02 | XXXXX | 6.5126 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX | XXXXX | XXXXX | XXXXX |
| 409026412 | ATR/QM: Exempt | No | XXXXX | XXXXX | No | No | 0 | XXXXX | 7.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | XXXXX | XXXXX | XXXXX | XXXXX |
| 409026526 | Non-QM: Lender documented all ATR UW factors | No | XXXXX | XXXXX | No | No | 10280 | XXXXX | 6.8593 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX | XXXXX | XXXXX | XXXXX |

---

<br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.<br>

## Exhibit 99.6

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **SPIRE 2026-1** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **5/5/2025 - 11/26/2025** | **5/5/2025 - 11/26/2025** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **171** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Valuations Summary** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans In Report:* | *171* |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance (%)** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date - Other** | **Value - Other** | **Variance Amount - Other** | **Variance (%) - Other** | **CU / LCA Score** |
| 409013386 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409013387 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409013436 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409013464 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013799 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409013980 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014157 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409014945 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015890 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016021 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409016353 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409016611 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016615 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409017016 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409017211 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409017241 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409017322 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409017401 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409017876 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409017882 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409017885 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409017888 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409017898 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409017900 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409017964 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409017970 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409018554 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409018746 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409018863 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409018866 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409018996 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409018997 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409019004 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409019038 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409019050 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409019081 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409019085 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409019095 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409019099 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409019179 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409019213 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409019252 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409019260 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409019262 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409019264 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409019317 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409019319 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409019323 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409019325 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409019330 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409019358 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409019368 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409019372 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409019417 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409019522 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409019570 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409019577 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409020698 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409020763 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020806 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409020819 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409021191 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409021243 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409021327 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409021337 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409021340 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409021349 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409021355 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409021359 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409021371 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409021375 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409021379 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409021383 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409021390 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409021404 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409021411 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409021438 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409021455 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409021461 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409021478 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409021483 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409021486 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409021502 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409021517 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409021518 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409021524 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409021533 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409021556 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409021559 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409021562 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409021563 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409021597 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409021598 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409021621 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409021679 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409021739 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409021783 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409021805 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409021814 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409021844 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409022010 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409022109 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409022276 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409022278 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409022316 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409023441 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409023480 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409023700 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409023784 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409023805 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409023883 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409023890 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409023945 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409023954 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409024048 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409024062 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409024181 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409024197 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409024227 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409024238 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409024308 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409024310 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409024314 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409024329 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409024332 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409024348 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409024354 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409024372 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409024412 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409024553 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409024649 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409024665 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409024865 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409024872 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409024890 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  | XXXXX | XXXXX | XXXXX | XXXXX | Full Appraisal | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409024899 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409024912 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409024934 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409024940 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409024945 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409024952 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409024961 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409025000 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025002 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025003 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025007 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025011 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025016 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409025020 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409025040 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025050 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025055 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409025058 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025109 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025130 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025314 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025318 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025328 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025330 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025345 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025348 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025349 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025373 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025431 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025590 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409025780 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025799 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025949 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026011 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026412 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409026526 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |

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*The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com*<br>

## Exhibit 99.7

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| | | | | |
|:---|:---|:---|:---|:---|
| **Client Name:** |  |  |  |  |
| **Client Project Name:** | **SPIRE 2026-1** |  |  |  |
| **Start - End Dates:** | **5/5/2025 - 11/26/2025** |  |  |  |
| **Deal Loan Count:** | **171** |  |  |  |
| **Waived Conditions Summary** | **Waived Conditions Summary** |  |  |  |
| **Review Scope** | **Category** | **Code** | **Description** | **Count** |
| Credit | Terms/Guidelines | CRDTER113 | Loan amount is below guideline minimum | 2 |
| Credit | Terms/Guidelines | CRDTER146 | Missing lender's loan approval/underwriting form | 1 |
| Credit | Terms/Guidelines | CRDTER3122 | Loan documents do not meet guideline requirements | 6 |
| Credit | Terms/Guidelines | CRDTER3490 | Missing Patriot Act form | 1 |
| Credit | Terms/Guidelines | CRDTER4435 | Missing Condo/Co-op Certificate/Questionnaire | 1 |
| Credit | Terms/Guidelines | CRDTER4631 | Loan parameters do not meet guidelines | 6 |
| Credit | Terms/Guidelines | CRDTER4643 | Borrower does not meet guideline requirements | 3 |
| Credit | Credit/Mtg History | CRDCRMH104 | Credit score below guidelines | 2 |
| Credit | Credit/Mtg History | CRDCRMH118 | Mortgage/rental lates exceed guidelines | 2 |
| Credit | Credit/Mtg History | CRDCRMH120 | Collections, charge offs, liens, etc. exceed guidelines | 1 |
| Credit | Credit/Mtg History | CRDCRMH124 | Collections, Liens, etc. not paid as required by guidelines | 1 |
| Credit | Credit/Mtg History | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | 4 |
| Credit | Credit/Mtg History | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | 1 |
| Credit | Credit/Mtg History | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | 1 |
| Credit | DTI | CRDDTI105 | Debt Ratio Exception XXX% or Less | 1 |
| Credit | DTI | CRDDTI187 | Debt Ratio > XXX% | 1 |
| Credit | LTV/CLTV | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least XXX%, but less than XXX% | 5 |
| Credit | LTV/CLTV | CRDLTV3028 | LTV Exceeds Guideline Requirement by XXX% or more | 1 |
| Credit | Income/Employment | CRDINC150 | Income docs do not meet guidelines | 2 |
| Credit | Income/Employment | CRDINC2408 | Income verification does not meet guidelines | 3 |
| Credit | Income/Employment | CRDINC3204 | Income Documentation Missing | 2 |
| Credit | Income/Employment | CRDINC888 | Income Amount is Unsupported by Documentation in File | 3 |
| Credit | Income/Employment | CRDINC889 | Income is Not Reasonable | 1 |
| Credit | Insurance | CRDINSR3792 | Insurance policy missing Rent Loss/Business Interruption coverage | 3 |
| Credit | Insurance | CRDINSR5351 | Insurance Effective date is greater than the transaction date | 1 |
| Credit | Insurance | CRDINSR848 | Missing Hazard Insurance | 1 |
| Credit | Application | CRDAPP1813 | Undisclosed non-arm's length transaction | 1 |
| Credit | Application | CRDAPP5430 | FNMA Application Form is Outdated | 1 |
| Credit | Assets | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | 1 |
| Credit | Assets | CRDAST2670 | Asset documentation is insufficient per guideline requirements | 4 |
| Credit | Assets | CRDAST3036 | Assets reflect unsourced deposits | 1 |
| Credit | Assets | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | 4 |
| Property Valuations | FEMA | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | 1 |
| Property Valuations | Property | PRVAPROP177 | Property Issues Indicated | 5 |
| Property Valuations | Appraisal | PRVAAPPR3116 | Missing updated valuation | 1 |
| Compliance | Ability to Repay/Qualified Mortgage | CMPATRQM2970 | TILA - Loan is a non-QM loan with documented ATR UW factors; points and fees exceed client's XXX% guideline. | 4 |
| Compliance | Ability to Repay/Qualified Mortgage | CMPATRQM2974 | TILA - Loan is a non-QM loan; APR exceeds client's HPCT maximum guideline. | 2 |
| Compliance | Federal Higher-Priced | CMPFDHP1759 | Federal higher-priced mortgage loan. | 1 |
| **Total** |  |  |  | **82** |
| <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

## Exhibit 99.8

![](amc_logo.gif)

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#### EXECUTIVE SUMMARY

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

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

(2) Sample size of the assets reviewed.

During the course of the securitization evaluation process, the Client may have removed loans that were reviewed by AMC from the securitization for reasons that were not disclosed to AMC. The final population of the Review covered 43 mortgage loans totaling an aggregate original principal balance of approximately $26.466 million.

(3) Determination of the sample size and computation.

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

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

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

---

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

---

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

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

#### CREDIT REVIEW (36 Mortgage Loans)

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

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![](amc_logo.gif)

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**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 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.

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![](amc_logo.gif)

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**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.

#### LEASES REVIEW (7 Mortgage Loans)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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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 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:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

<br> i) points and fees threshold test;

<br> ii) APR threshold test;

<br> iii) prepayment penalty threshold test; and

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

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

<br> i) APR threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

AMC reviews applicable mortgage loans for compliance with the ATR and QM rule requirements based upon each mortgage loan's originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). AMC determines the mortgage loan's status under the ATR or QM rule requirements and

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assigns a due diligence mortgage loan designation. Generally, AMC notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, AMC notes if an originator mortgage loan designation was not provided.

*<u>Qualified Mortgage</u>*

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

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

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

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

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For the 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.

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The Review also includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

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

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

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

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

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

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

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

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

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

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

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

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

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

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

(X) Recording Review

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

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

(XI) FIRREA Review

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

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

(XII) Document Review

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

<br> ◾ Initial application (1003);

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

<br> ◾ Credit report;

<br> ◾ Income and employment documentation;

<br> ◾ 4506T;

<br> ◾ Asset documentation;

<br> ◾ Sales contract;

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

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

<br> ◾ Appraisal;

<br> ◾ Title/Preliminary Title;

<br> ◾ Final 1003;

<br> ◾ Changed circumstance documentation;

<br> ◾ Right of Rescission Disclosure;

<br> ◾ Mortgage/Deed of Trust;

<br> ◾ Note;

<br> ◾ Mortgage Insurance;

<br> ◾ Tangible Net Benefit Disclosure;

<br> ◾ Subordination Agreement;

<br> ◾ FACTA disclosures;

<br> ◾ Notice of Special Flood Hazards;

<br> ◾ Initial and final GFE's;

<br> ◾ HUD from sale of previous residence;

<br> ◾ Final HUD-1;

<br> ◾ Initial TIL;

<br> ◾ Final TIL;

<br> ◾ Loan Estimates;

<br> ◾ Closing Disclosures; and

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

(8) Other: review and methodology.

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

(9) Disclaimer.

#### <br>
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Except as expressly enumerated above, please be advised that SitusAMC has not performed any review to determine whether the mortgage loans covered in this Report complied with federal, state or local laws, constitutional provisions, regulations, ordinances or any other laws or guidance, including, without limitation, licensing and general usury laws ("Applicable Law"). Further, there can be no assurances that in performing the review and preparing this Report that SitusAMC has uncovered all relevant factors and potential issues relating to the origination of the mortgage loans, their compliance with Applicable Law, or the original appraisals relating to the mortgaged properties, or that SitusAMC has uncovered all relevant factors that could affect the future performance of the mortgage loans. Please note that the results set forth in this Report are dependent upon receipt of complete and accurate data regarding the mortgage loans from mortgage loan originators, sponsors, issuers, underwriters, and other third parties upon which SitusAMC is relying in reaching such results. Except as expressly stated herein, SitusAMC did not verify the data relied upon in performing its review and producing this Report. In addition, the findings and conclusions set forth in this Report are provided on an "as is" basis and are based on available information and Applicable Law as of the date of this Report, and SitusAMC does not undertake any obligation to update or provide any revisions to this Report to reflect events, circumstances, changes in Applicable Law, or changes in expectations after the date this Report was issued. SitusAMC also hereby disclaims any representation or warranty as to accuracy or completeness of the Report, the inclusion or omission of any facts or information, or as to its suitability, sufficiency or appropriateness for the purposes of the transaction parties or investors or the use of the Report in preparation of any other document in connection with the subject transaction.).

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

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

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

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| | | | | |
|:---|:---|:---|:---|:---|
| **NRSRO Loan Grades (# Loans)** | **NRSRO Loan Grades (# Loans)** | **NRSRO Loan Grades (# Loans)** | **NRSRO Loan Grades (# Loans)** | **NRSRO Loan Grades (# Loans)** |
| **Final Loan Grade** | **Credit** | **Compliance** | **Property** | **Overall** |
| A | 40 | 30 | 43 | 34 |
| B | 3 | 6 | 0 | 9 |
| C | 0 | 0 | 0 | 0 |
| D | 0 | 0 | 0 | 0 |
| **Total** | **43** | **36** | **43** | **43** |

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| | | | | |
|:---|:---|:---|:---|:---|
| **NRSRO Loan Grades (% Loans)** | **NRSRO Loan Grades (% Loans)** | **NRSRO Loan Grades (% Loans)** | **NRSRO Loan Grades (% Loans)** | **NRSRO Loan Grades (% Loans)** |
| **Final Loan Grade** | **Credit** | **Compliance** | **Property** | **Overall** |
| A | 93.02% | 83.33% | 100.00% | 79.07% |
| B | 6.98% | 16.67% | 0.00% | 20.93% |
| C | 0.00% | 0.00% | 0.00% | 0.00% |
| D | 0.00% | 0.00% | 0.00% | 0.00% |
| **Total** | **100.00%** | **100.00%** | **100.00%** | **100.00%** |

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

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| | | | |
|:---|:---|:---|:---|
| **Exception Type** | **Final Exception Grade** | **Exception Category** | **Total** |
| Compliance | B | TRID Defect | 5 |
| Compliance | B | GSE | 2 |
| Compliance | B | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | 2 |
| Compliance | B | ***Total Compliance Grade (B) Exceptions:*** | ***9*** |
| **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **9** |
| Credit | B | Title | 2 |
| Credit | B | Missing Document | 1 |
| Credit | B | ***Total Credit Grade (B) Exceptions:*** | ***3*** |
| **Total Credit Exceptions:** | **Total Credit Exceptions:** | **Total Credit Exceptions:** | **12** |
| **Total Property Exceptions:** | **Total Property Exceptions:** | **Total Property Exceptions:** | **0** |
| **Grand Total:** | **Grand Total:** | **Grand Total:** | **12** |

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#### TAPE INTEGRITY REVIEW RESULTS SUMMARY
Of the 43 mortgage loans reviewed, there were 8 different tape discrepancies across 4 data fields (some mortgage loans had more than one data delta). A blank or zero value on the data tape when an actual value was captured by AMC was treated as a data variance. The largest variances were found on Borrower Last Name. Qualifying Total Debt Ratio variances are the difference on the percentage of income dedicated toward making debt payments. These variances occur frequently due to differences in calculating complex incomes.

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| | | | | |
|:---|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| # of Units | 0 | 7 | 0.00% | 43 |
| Amortization Term | 0 | 43 | 0.00% | 43 |
| Amortization Type | 0 | 43 | 0.00% | 43 |
| Appraised Value | 0 | 7 | 0.00% | 43 |
| Borrower Last Name | 3 | 7 | 42.86% | 43 |
| Borrower Qualifying FICO | 0 | 36 | 0.00% | 43 |
| City | 0 | 7 | 0.00% | 43 |
| Coborrower Qualifying FICO | 0 | 6 | 0.00% | 43 |
| First Payment Date | 0 | 7 | 0.00% | 43 |

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| | | | | |
|:---|:---|:---|:---|:---|
| Investor: Qualifying Total Debt Ratio | 2 | 36 | 5.56% | 43 |
| Maturity Date | 0 | 7 | 0.00% | 43 |
| Note Date | 0 | 7 | 0.00% | 43 |
| Occupancy | 0 | 36 | 0.00% | 43 |
| Original CLTV | 0 | 36 | 0.00% | 43 |
| Original Interest Rate | 0 | 7 | 0.00% | 43 |
| Original Loan Amount | 0 | 7 | 0.00% | 43 |
| Original LTV | 0 | 43 | 0.00% | 43 |
| Original P&I | 0 | 7 | 0.00% | 43 |
| Prepayment Penalty | 0 | 7 | 0.00% | 43 |
| Prepayment Penalty Period (months) | 2 | 7 | 28.57% | 43 |
| Property Type | 1 | 43 | 2.33% | 43 |
| Purpose | 0 | 36 | 0.00% | 43 |
| Refi Purpose | 0 | 11 | 0.00% | 43 |
| Representative FICO | 0 | 7 | 0.00% | 43 |
| State | 0 | 7 | 0.00% | 43 |
| Street | 0 | 7 | 0.00% | 43 |
| Subject Debt Service Coverage Ratio | 0 | 7 | 0.00% | 43 |
| Zip | 0 | 43 | 0.00% | 43 |
| **Total** | **8** | **524** | **1.53%** | **43** |

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

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| | | | | |
|:---|:---|:---|:---|:---|
| Amortization Type | Loan Count | % of Loans | Original Balance | % of Balance |
| Fixed | 43 | 100.00% | $26465585.00 | 100.00% |
| **Total** | **43** | **100.00%** | **$26465585.00** | **100.00%** |
| **Lien Position** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| 1 | 43 | 100.00% | $26465585.00 | 100.00% |
| **Total** | **43** | **100.00%** | **$26465585.00** | **100.00%** |
| **Loan Purpose** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Cash Out: Other/Multi-purpose/Unknown Purpose | 14 | 32.56% | $5866350.00 | 22.17% |
| First Time Home Purchase | 2 | 4.65% | $1166500.00 | 4.41% |
| Other-than-first-time Home Purchase | 25 | 58.14% | $18024735.00 | 68.11% |
| Rate/Term Refinance - Borrower Initiated | 2 | 4.65% | $1408000.00 | 5.32% |
| **Total** | **43** | **100.00%** | **$26465585.00** | **100.00%** |
| **Original Term** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| 241-360 Months | 41 | 95.35% | $23804085.00 | 89.94% |
| 361+ Months | 2 | 4.65% | $2661500.00 | 10.06% |
| **Total** | **43** | **100.00%** | **$26465585.00** | **100.00%** |

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| | | | | |
|:---|:---|:---|:---|:---|
| **Property Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Single Family Detached | 20 | 46.51% | $12634250.00 | 47.74% |
| Condo, Low Rise | 4 | 9.30% | $1681000.00 | 6.35% |
| Condo, High Rise | 1 | 2.33% | $750000.00 | 2.83% |
| PUD | 15 | 34.88% | $9982735.00 | 37.72% |
| 4 Family | 3 | 6.98% | $1417600.00 | 5.36% |
| **Total** | **43** | **100.00%** | **$26465585.00** | **100.00%** |
| **Occupancy** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Primary | 32 | 74.42% | $21157235.00 | 79.94% |
| Investment | 8 | 18.60% | $3761350.00 | 14.21% |
| Second Home | 3 | 6.98% | $1547000.00 | 5.85% |
| **Total** | **43** | **100.00%** | **$26465585.00** | **100.00%** |
| **Origination Channel** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Broker | 22 | 51.16% | $13185850.00 | 49.82% |
| Retail | 20 | 46.51% | $11759735.00 | 44.43% |
| Correspondent Flow without Delegated UW | 1 | 2.33% | $1520000.00 | 5.74% |
| **Total** | **43** | **100.00%** | **$26465585.00** | **100.00%** |
| **Review Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Credit/Compliance - TRID | 36 | 83.72% | $24115735.00 | 91.12% |
| Leases | 7 | 16.28% | $2349850.00 | 8.88% |
| **Total** | **43** | **100.00%** | **$26465585.00** | **100.00%** |

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## Exhibit 99.9

![](situs_logo.jpg)

#### Rating Agency Grades

#### Run Date - 2/6/2026 2:11:03 PM

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| LOAN INFORMATION | LOAN INFORMATION | LOAN INFORMATION | LOAN INFORMATION | LOAN INFORMATION | LOAN INFORMATION | INITIAL CREDIT LOAN GRADES | INITIAL CREDIT LOAN GRADES | INITIAL CREDIT LOAN GRADES | INITIAL CREDIT LOAN GRADES | INITIAL CREDIT LOAN GRADES | INITIAL CREDIT LOAN GRADES | INITIAL COMPLIANCE LOAN GRADES | INITIAL COMPLIANCE LOAN GRADES | INITIAL COMPLIANCE LOAN GRADES | INITIAL COMPLIANCE LOAN GRADES | INITIAL COMPLIANCE LOAN GRADES | INITIAL COMPLIANCE LOAN GRADES | INITIAL PROPERTY LOAN GRADES | INITIAL PROPERTY LOAN GRADES | INITIAL PROPERTY LOAN GRADES | INITIAL PROPERTY LOAN GRADES | INITIAL PROPERTY LOAN GRADES | INITIAL PROPERTY LOAN GRADES | INITIAL OVERALL LOAN GRADES | INITIAL OVERALL LOAN GRADES | INITIAL OVERALL LOAN GRADES | INITIAL OVERALL LOAN GRADES | INITIAL OVERALL LOAN GRADES | INITIAL OVERALL LOAN GRADES | FINAL CREDIT LOAN GRADES | FINAL CREDIT LOAN GRADES | FINAL CREDIT LOAN GRADES | FINAL CREDIT LOAN GRADES | FINAL CREDIT LOAN GRADES | FINAL CREDIT LOAN GRADES | FINAL COMPLIANCE LOAN GRADES | FINAL COMPLIANCE LOAN GRADES | FINAL COMPLIANCE LOAN GRADES | FINAL COMPLIANCE LOAN GRADES | FINAL COMPLIANCE LOAN GRADES | FINAL COMPLIANCE LOAN GRADES | FINAL PROPERTY LOAN GRADES | FINAL PROPERTY LOAN GRADES | FINAL PROPERTY LOAN GRADES | FINAL PROPERTY LOAN GRADES | FINAL PROPERTY LOAN GRADES | FINAL PROPERTY LOAN GRADES | FINAL OVERALL LOAN GRADES | FINAL OVERALL LOAN GRADES | FINAL OVERALL LOAN GRADES | FINAL OVERALL LOAN GRADES | FINAL OVERALL LOAN GRADES | FINAL OVERALL LOAN GRADES |
| AMC Loan ID | Customer Loan ID | Seller Loan ID | Investor Loan Number | Deal Number | Original Loan Amount | DBRS | Fitch | Kroll | Moody's | S&P | Morningstar | DBRS | Fitch | Kroll | Moody's | S&P | Morningstar | DBRS | Fitch | Kroll | Moody's | S&P | Morningstar | DBRS | Fitch | Kroll | Moody's | S&P | Morningstar | DBRS | Fitch | Kroll | Moody's | S&P | Morningstar | DBRS | Fitch | Kroll | Moody's | S&P | Morningstar | DBRS | Fitch | Kroll | Moody's | S&P | Morningstar | DBRS | Fitch | Kroll | Moody's | S&P | Morningstar |
| 224389014 | XXXX | XXXX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 224389015 | XXXX | XXXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 224389016 | XXXX | XXXX |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 224389017 | XXXX | XXXX |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 224389018 | XXXX | XXXX |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 224389019 | XXXX | XXXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 224389020 | XXXX | XXXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 224389021 | XXXX | XXXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 224389022 | XXXX | XXXX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 224389023 | XXXX | XXXX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 224389024 | XXXX | XXXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 224389025 | XXXX | XXXX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 224389026 | XXXX | XXXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 224389027 | XXXX | XXXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 224389029 | XXXX | XXXX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 224389030 | XXXX | XXXX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 224389031 | XXXX | XXXX |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 224389032 | XXXX | XXXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 224389033 | XXXX | XXXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 224389034 | XXXX | XXXX |  |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 224389035 | XXXX | XXXX |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 224389036 | XXXX | XXXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 224389037 | XXXX | XXXX |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 224389038 | XXXX | XXXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 224389039 | XXXX | XXXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 224389040 | XXXX | XXXX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 224389041 | XXXX | XXXX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 224389042 | XXXX | XXXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 224389043 | XXXX | XXXX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 224389044 | XXXX | XXXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 224389045 | XXXX | XXXX |  |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 224389046 | XXXX | XXXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 224389047 | XXXX | XXXX |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 224389048 | XXXX | XXXX |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| 224389050 | XXXX | XXXX |  |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 224389051 | XXXX | XXXX |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 224611739 | XXXX | XXXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 224611741 | XXXX | XXXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 224611743 | XXXX | XXXX |  |  |  | D | D | D | D | D |  |  |  |  |  |  |  | A | A | A | A | A |  | D | D | D | D | D |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 224611744 | XXXX | XXXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 224712920 | XXXX | XXXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 224712921 | XXXX | XXXX |  |  |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |
| 224765798 | XXXX | XXXX |  |  |  | C | C | C | C | C |  |  |  |  |  |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  |  |  |  |  |  |  | A | A | A | A | A |  | A | A | A | A | A |  |

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**

## Exhibit 99.10

![](situs_logo.jpg)

#### Exception Grades

#### Run Date - 2/6/2026 2:11:04 PM

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 224389014 | XXXX | XXXX |  | 34926514 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | The Right to Cancel was missing from the file, and based on file documentation the borrowers have been living at the subject prior to and potentially during the renovations. Right of Rescission is applicable to transaction. |  |  |  | Reviewer Comment (2025-09-22): H-9 RTC, proof of delivery ([redacted]), and LOE to the borrower provided. Rescission was re-opened prior to diligence review and fully documented. Exception cured.<br>Buyer Comment (2025-09-19): Please see Pg [redacted]- [redacted] for the right to cancel. Please review to cancel this exception. We opened rescission post close.<br>|  | 09/22/2025 |  | 2<br> C<br> B |  | XXXX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form<br> C<br> B<br> A | Non QM | Non QM | Yes |
| 224389016 | XXXX | XXXX |  | 34926523 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Documentation not found to verify the borrower had access to the business account with [redacted] in the name of [redacted]. | Borrower has been employed in the same industry for more than [redacted] years.<br>Borrower has verified disposable income of at least $[redacted].<br>The representative FICO score is above [redacted]. | Borrower has been on the job greater than [redacted] years.<br>Residual income of $[redacted].<br>FICO score of [redacted]. | Originator,Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC,Originator,Aggregator | Reviewer Comment (2025-09-24): Client elects to waive with compensating factors.<br>Buyer Comment (2025-09-23): Please downgrade this exception with the following compensating factors:<br> - Credit score [redacted]<br> - No delinquency on credit report, no mortgage lates<br> - Borrower has >[redacted]+ years business experience and history<br> - $[redacted] in residual income/month<br>|  |  | 09/24/2025 | 2<br> C<br> B |  | XXXX | Primary | Purchase | C<br> B<br> A | Non QM | Non QM | No |
| 224389017 | XXXX | XXXX |  | 34926525 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-09-19): Seller acknowledges. No change to grading.<br>|  |  | 09/19/2025 | 2<br> B |  | XXXX | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224389017 | XXXX | XXXX |  | 34926526 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file was missing the hazard insurance documentation for this investment property, please provide for review. |  |  |  | Reviewer Comment (2025-09-22): Received HOI Dec Page for investment property [redacted] effective [redacted]. Cleared exception.<br>Buyer Comment (2025-09-22): Please see the attached HOI dec page for the non subject.<br>| 09/22/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Refinance - Rate/Term | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224389018 | XXXX | XXXX |  | 34926531 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | The file was missing the Final Closing Disclosure from the bridge loan on the departure residence. Please provide for review. |  |  |  | Reviewer Comment (2025-09-22): Closing statement from [redacted] loan confirming proceeds has been provided. Exception cleared.<br>Buyer Comment (2025-09-19): Please see attached for the [redacted] loan financing.<br>| 09/22/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224389022 | XXXX | XXXX |  | 34926541 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-09-22): [redacted] received proof of earlier electronic receipt.<br>Buyer Comment (2025-09-19): Please see the attached from our LOS online documents portal confirming the client viewed the LE from [redacted] on [redacted].<br>| 09/22/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224389023 | XXXX | XXXX |  | 34926547 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Lender credit was last disclosed as -$[redacted] on the Loan Estimate, but was disclosed as $[redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. |  |  |  | Reviewer Comment (2025-09-25): [redacted] received PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-09-24): Please see the cure redisclosure package attached<br>|  | 09/25/2025 |  | 2<br> C<br> B |  | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Non QM | Non QM | Yes |
| 224389025 | XXXX | XXXX |  | 34926557 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate was missing from the file. |  |  |  | Reviewer Comment (2025-09-22): [redacted] received earliest receipt of LE.<br>Buyer Comment (2025-09-19): Please see the attached internal screenshot showing that the LE dated [redacted] was viewed/received by the borrower on [redacted]. Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically.<br>| 09/22/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224389029 | XXXX | XXXX |  | 34926566 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-09-22): [redacted] received earliest receipt of LE.<br>Buyer Comment (2025-09-19): Please see attached confirming when the LE was viewed. Website FYI is the borrower viewing the document.<br>| 09/22/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224389030 | XXXX | XXXX |  | 34926571 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | [redacted]% fee violation due to an increase in the title-signing fee. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-09-23): [redacted] received corrected PCCD and LOE<br>Buyer Comment (2025-09-22): Please see the attached pccd moving the notary fee to section C and adding title prefix to the pest inspection fee. Also included are an loe to borrower and shipping label.<br>Reviewer Comment (2025-09-22): [redacted] received rebuttal and we confirm corrected PCCD moving the title - notary fee to sec C along with LOE would suffice. Please provide corrected PCCD and LOE.<br>Buyer Comment (2025-09-19): The Notary fee was paid to a non affiliate and moved to section on the final CD in error. Reviewer to confirm a revised CD moving the fee back to section C will remedy the issue.<br>| 09/23/2025 |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224389030 | XXXX | XXXX |  | 34926572 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Pest Inspection Fee was last disclosed as $[redacted] on the Loan Estimate, but was disclosed as $[redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-09-24): [redacted] received Letter of explanation and Corrected Closing disclosure with Title-prefix and received rebuttal comment it was confirmed that the Pest inspection fee service was shopped by the borrower and not selected the provider from the list.<br>Buyer Comment (2025-09-23): The lender does not require a pest inspection. The purchase contract confirms the the termite inspection was a condition of the purchase, irrespective of any mortgage transaction. Reviewer to review counter offer on page [redacted]/[redacted] of the loan images. Line [redacted] confirms the termite inspection was to be completed by a professional company and page [redacted]/[redacted] where the termite inspection is initially mentioned in the [redacted]. No attestation should be required as the inspection has already been addressed in the [redacted].<br>Reviewer Comment (2025-09-23): [redacted] received corrected PCCD and LOE, however we also require attestation confirming whether the lender or title company required the pest inspection fee. If the lender required, the fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Fee, an attestation from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider.<br>Reviewer Comment (2025-09-22): [redacted] received rebuttal and we confirm corrected PCCD with the title prefix along with LOE would suffice. Please provide corrected PCCD and LOE.<br>Buyer Comment (2025-09-19): The $[redacted] pest inspection was paid to a non affiliate and printed on the final CD without the title prefix in error. Reviewer to confirm adding the prefix on a revised CD will remedy the issue.<br>| 09/24/2025 |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224389031 | XXXX | XXXX |  | 34926577 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-09-19): Seller acknowledges exception, no change in grading<br>|  |  | 09/19/2025 | 2<br> B |  | XXXX | Second Home | Purchase | Good Faith Redisclosure<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224389034 | XXXX | XXXX |  | 34926588 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date ___; Disbursement Date: ___; Note Date: ___; Transaction Date: ___ | HOI was effective on [redacted] after loan disbursed on [redacted] |  |  |  | Reviewer Comment (2025-09-23): Updated dates as per Insurance policy. Exception cleared.<br>Buyer Comment (2025-09-23): Please see Pg [redacted] of the loan file which confirms coverage effective date of [redacted] which is the date of disbursement which meets guidelines. Please review to clear this condition.<br>| 09/23/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224389035 | XXXX | XXXX |  | 34926591 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-09-19): Seller acknowledges the exception, no change to grading.<br>|  |  | 09/19/2025 | 2<br> B |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224389037 | XXXX | XXXX |  | 34926597 |  | Compliance | Compliance | Federal Compliance | GSE | [redacted] - [redacted]% Points and Fees | [redacted] [redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). |  |  |  |  | Buyer Comment (2025-09-22): Seller acknowledges the exception, no change to grading.<br>|  |  | 09/22/2025 | 2<br> B |  | XXXX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings.<br> B<br> A | Non QM | Non QM | Yes |
| 224389040 | XXXX | XXXX |  | 34926607 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Condo Approval. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Condo Approval Fee in Section C of the CD was not disclosed on the Loan Estimate, but was disclosed as $[redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-09-26): [redacted] received Letter of explanation and Corrected Closing disclosure.<br>Buyer Comment (2025-09-25): Please see the attached for the corrected CD and LOE to client.<br>Reviewer Comment (2025-09-24): [redacted] received rebuttal and fee is disclosed without title prefix, if fee was not required, it should be listed in section [redacted] instead of section [redacted]. Corrected CD and LOE required to remediate.<br>Buyer Comment (2025-09-23): The fee is in section [redacted] of he final CD and as such is subject to unlimited tolerance per being services the borrower shopped for.<br>| 09/26/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224389041 | XXXX | XXXX |  | 34926611 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate was missing from the file. |  |  |  | Reviewer Comment (2025-09-24): [redacted] received disclosure tracking showing LE dated [redacted] received by borrower on [redacted].<br>Buyer Comment (2025-09-23): Please see the attached internal screenshot showing that the LE dated [redacted] was viewed/received by the borrower on [redacted]. Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically.<br>| 09/24/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Refinance - Rate/Term | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224389041 | XXXX | XXXX |  | 34926612 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points were last disclosed as $[redacted] on the Loan Estimate, but were disclosed as $[redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-09-24): [redacted] received Valid COC dated [redacted].<br>Buyer Comment (2025-09-23): The loan discount points were charged at .[redacted] of the loan amount. A fee of $[redacted] was disclosed on the LE with loan amount of $[redacted] and it increased to $[redacted] with loan amount increase to $[redacted] on [redacted].<br>| 09/24/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224389043 | XXXX | XXXX |  | 34926618 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-09-23): [redacted] received earliest receipt of LE.<br>Buyer Comment (2025-09-22): Please see the attached internal screenshot showing that the LE dated [redacted] was viewed/received by the borrower on [redacted]. Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically.<br>| 09/23/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Refinance - Cash-out - Other | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224389045 | XXXX | XXXX |  | 34926625 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  | Buyer Comment (2025-09-22): Seller acknowledges the exception, no change to grading.<br>|  |  | 09/22/2025 | 2<br> B |  | XXXX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224389047 | XXXX | XXXX |  | 34926632 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-09-22): Final Title policy received with coverage amount. Exception cleared.<br>| 09/22/2025 |  |  | 1<br> A |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224389047 | XXXX | XXXX |  | 34926633 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-09-22): Final Title policy received with coverage amount. Exception cleared.<br>Buyer Comment (2025-09-22): Please see attached, Final Title policy as request<br>| 09/22/2025 |  |  | 1<br> B<br> A |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224389048 | XXXX | XXXX |  | 34926634 |  | Compliance | Compliance | Federal Compliance | GSE | [redacted] - [redacted]% Points and Fees | [redacted] [redacted]% Points and Fees Test. Points and Fees on subject loan of [redacted]% is in excess of the investor allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees total $[redacted] on a Federal Total Loan Amount of $[redacted] vs. an investor allowable total of $[redacted] (an overage of $[redacted] or [redacted]%). | It was noted the QM Findings in file reflect the result as fail. |  |  |  | Buyer Comment (2025-09-23): Seller acknowledges exception, no change to grading.<br>|  |  | 09/23/2025 | 2<br> B |  | XXXX | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings.<br> C<br> B<br> A | Non QM | Non QM | Yes |
| 224389048 | XXXX | XXXX |  | 34926635 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-09-24): Seller acknowledges exception, no change to grading.<br>|  |  | 09/24/2025 | 2<br> B |  | XXXX | Second Home | Purchase | Good Faith Redisclosure<br> C<br> B<br> A | Non QM | Non QM | Yes |
| 224389048 | XXXX | XXXX |  | 34926639 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted] is over disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). | Final Closing Disclosure disclosed an amount financed of $[redacted] calculated amount financed is $[redacted]. Variance is $[redacted] due to the Section H fees, certified fraud protection $[redacted]. and courtesy closing fee $[redacted]. |  |  |  | Reviewer Comment (2025-10-03): [redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Buyer Comment (2025-10-02): Please see attached, Cure packet with LOE, PCCD, Check and shipping information<br>Reviewer Comment (2025-09-30): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted] is over disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). (Final/[redacted])<br>Reviewer Comment (2025-09-29): While a notary fee itself (for notarial action) paid to a third party may be excluded from finance charge under [redacted], a signing fee or charge for "mobile" notary to come to borrower to conduct signing is not excluded from finance charge. Only flat amount for notarizing documents as authorized by law is excludable. See commentary under [redacted] below:<br> 3. Notary fees. In order for a notary fee to be excluded under [redacted], all of the following conditions must be met:<br> i. The document to be notarized is one used to perfect, release, or continue a security interest.<br> ii. The document is required by law to be notarized.<br> iii. A notary is considered a public official under applicable law.<br> iv. The amount of the fee is set or authorized by law.<br>If the fee disclosed represents a notary and signing fee lumped together, the total would be considered a finance charge unless it can be demonstrated which portion was allocated for which service.<br>While notary fees (for notarial action) paid to a third party may be excluded from finance charge under [redacted] , a signing fee would not be considered excludable. If this fee represents a notary and signing fee lumped together, the total would be considered a finance charge. Please provide an explanation for the purpose of the entire amount of the loan doc signing fee.<br>Buyer Comment (2025-09-26): Please see attached, title company email confirming both the Cerfied ID fee and the courtesy closing fees were not a resulf of the financing and should not be included as a pre-paid finance charge. Both fees would be applicable to a similar cash-based transaction. The Certified Fraud Protection fee allowd the borrower access to a secure portal to send and receive wiring instructions. The courtesy closing fee was for the mobile notary.<br>|  | 10/03/2025 |  | 2<br> C<br> B |  | XXXX | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions)<br> C<br> B<br> A | Non QM | Non QM | Yes |
| 224389048 | XXXX | XXXX |  | 34926640 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Final Closing Disclosure disclosed a finance charge of $[redacted]; calculated finance charge is $[redacted]. [redacted] is due to the Section [redacted] fees, certified fraud protection $[redacted]. and courtesy closing fee $[redacted]. |  |  |  | Reviewer Comment (2025-10-03): [redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Buyer Comment (2025-10-02): Please see attached, Cure packet with LOE, PCCD, Check and shipping information<br>Reviewer Comment (2025-09-30): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). (Final/[redacted])<br>Reviewer Comment (2025-09-29): While a notary fee itself (for notarial action) paid to a third party may be excluded from finance charge under [redacted], a signing fee or charge for "mobile" notary to come to borrower to conduct signing is not excluded from finance charge. Only flat amount for notarizing documents as authorized by law is excludable. See commentary under [redacted] below:<br> 3. Notary fees. In order for a notary fee to be excluded under §[redacted], all of the following conditions must be met:<br> i. The document to be notarized is one used to perfect, release, or continue a security interest.<br> ii. The document is required by law to be notarized.<br> iii. A notary is considered a public official under applicable law.<br> iv. The amount of the fee is set or authorized by law.<br>If the fee disclosed represents a notary and signing fee lumped together, the total would be considered a finance charge unless it can be demonstrated which portion was allocated for which service.<br>While notary fees (for notarial action) paid to a third party may be excluded from finance charge under [redacted], a signing fee would not be considered excludable. If this fee represents a notary and signing fee lumped together, the total would be considered a finance charge. Please provide an explanation for the purpose of the entire amount of the loan doc signing fee.<br>Buyer Comment (2025-09-26): Please see attached, title company email confirming both the Cerfied ID fee and the courtesy closing fees were not a resulf of the financing and should not be included as a pre-paid finance charge. Both fees would be applicable to a similar cash-based transaction. The Certified Fraud Protection fee allowd the borrower access to a secure portal to send and receive wiring instructions. The courtesy closing fee was for the mobile notary.<br>|  | 10/03/2025 |  | 2<br> C<br> B |  | XXXX | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions)<br> C<br> B<br> A | Non QM | Non QM | Yes |
| 224389050 | XXXX | XXXX |  | 34926641 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-09-23): Final Title policy received with coverage amount. Exception cleared.<br>Buyer Comment (2025-09-23): Please see attached final title policy.<br>| 09/23/2025 |  |  | 1<br> B<br> A |  | XXXX | Primary | Purchase | B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224611743 | XXXX | XXXX |  | 35152798 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Guarantor Agreement is missing in file. |  |  |  | Reviewer Comment (2025-10-28): provided<br>Buyer Comment (2025-10-23): Please see uploaded Guaranty.<br>| 10/28/2025 |  |  | 1<br> D<br> A |  | XXXX | Investment | Refinance - Cash-out - Other | D<br> A |  | N/A | No |
| 224765798 | XXXX | XXXX |  | 35338661 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Accounts #[redacted], #[redacted] and EMDs totaling $[redacted] are being used totaling $[redacted]. Total funds to close, including fees paid outside of closing and EMDs, is $[redacted]. Some of the total funds is going towards reserves. |  |  |  | Reviewer Comment (2025-11-05): Recvd updated HUD with YSP, exception cleared<br>Buyer Comment (2025-11-04): Please see attached-<br>Here is our HUD, see page [redacted], shows YSP by L lender to [redacted].<br>On Escrows sign Hud they also included brokers feee $[redacted] and appraisal reinspection fee $[redacted]<br>YSP paid by lender to borrower of $[redacted], escrow also included broker fee $[redacted] and $[redacted] appraisal reinspection fee for total of $[redacted], this is what was paid out to broker<br>Reviewer Comment (2025-11-03): Provide an ALTA statement showing YSP instead of Broker Fee.<br>Buyer Comment (2025-11-03): That is not the broker fee - That is the YSP paid by Lender to Broker for rate chosen, this is not a borrower fee at all- please clear condition.<br>Reviewer Comment (2025-10-31): Yes, we are including the Broker fee of $[redacted] (POC), I'm not seeing a YSP. Exception remains<br>Buyer Comment (2025-10-31): in reviewing page [redacted] of the final HUD- the only POC fees are Appraisal fee $[redacted] and Credit report $[redacted]. The YSP is showing as POC too but that is paid by us Lender to Broker, is this what you are referring to?<br>Reviewer Comment (2025-10-28): Part of the funds to close is fees paid outside of closing and have not been sourced. Exception remains.<br>Buyer Comment (2025-10-23): we have sufficient funds for closing and reserves.<br> Total funds to close after emd credit is $[redacted] - verified funds is $[redacted] , Borrower has retirement assets with [redacted] after [redacted]% discount balance is $[redacted] which is used for reserves. these were originally uploaded with the complete file pkg<br>Buyer Comment (2025-10-23): we have sufficient funds for closing and reserves.<br> Total funds to close after emd credit is $[redacted] - verified funds is $[redacted], Borrower has retirement assets with [redacted] after [redacted]% discount balance is $[redacted] which is used for reserves. these were originally uploaded with the complete file pkg<br>Buyer Comment (2025-10-23): we have sufficient funds for closing and reserves.<br> Total funds to close after emd credit is $[redacted]- verified funds is $[redacted], Borrower has retirement assets with [redacted] after [redacted]% discount balance is $[redacted] which is used for reserves. these were originally uploaded with the complete file pkg<br>| 11/05/2025 |  |  | 1<br> C<br> A |  | XXXX | Investment | Purchase | C<br> A |  | N/A | No |

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## Exhibit 99.11

![](situs_logo.jpg)

#### Valuation Report

#### Run Date - 2/6/2026 2:11:04 PM

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **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** |
| 224389014 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.50 |
| 224389015 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 224389016 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 224389017 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
| 224389018 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 224389019 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| 224389020 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| 224389021 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.50 |
| 224389022 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 224389023 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.520% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| 224389024 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 224389025 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 224389026 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| 224389027 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| 224389029 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 224389030 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 224389031 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 224389032 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 224389033 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 224389034 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| 224389035 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| 224389036 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 224389037 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 224389038 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 224389039 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 224389040 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| 224389041 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| 224389042 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 224389043 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 224389044 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| 224389045 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 224389046 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 224389047 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| 224389048 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 224389050 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 224389051 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 224611739 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 224611741 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 224611743 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 224611744 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 224712920 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 224712921 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 224765798 | XXXX | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |

---

## Exhibit 99.12

![](situs_logo.jpg)

#### Supplemental Data

#### Run Date - 2/6/2026 2:11:04 PM

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **Total DSCR** | **Total Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** | **Total Number of Mortgaged Properties** |
| 224389014 | XXXX | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 4.5 | DU |  | ApproveIneligible | N/A | No | xxxx | 2 |  | 0 | 0 | 3 | 3 |  |  | xxxx | No |  |  |  |  |  |  |  |  | 360 | xxxx | xxxx |  | No | 30 |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | xxxx |  |  | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 224389015 | XXXX | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxx |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxxx | xxxx | xxxx | xxxx |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 1.0 | DU |  | ApproveEligible | N/A | No | xxxx | 0 |  | 0 | 0 | 3 | 0 |  | 12 | xxxx | No |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | xxxx |  | Yes | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 224389016 | XXXX | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx | xxxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxxx | xxxx | xxxx | xxxx |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 1.0 | DU |  | ApproveEligible | N/A | No | xxxx | 0 | 1 | 0 | 0 | 3 | 0 |  | 12 | xxxx | No |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | xxxx |  | No | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 224389017 | XXXX | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxxx | xxxx | xxxx | xxxx |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 4.3 | DU |  | ApproveEligible | N/A | No | xxxx | 0 |  | 0 | 0 | 2 | 0 |  | 12 | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | xxxx |  | No | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 224389018 | XXXX | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxxx | xxxx | xxxx | xxxx |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 1.5 |  |  |  | N/A | No | xxxx | 0 |  | 0 | 0 | 2 | 0 |  | 12 | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx |  |  | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 224389019 | XXXX | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 4.0 |  |  |  | N/A | No | xxxx | 2 |  | 0 | 0 | 2 | 2 |  |  | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | xxxx |  |  | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 224389020 | XXXX | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxxx | xxxx | xxxx | xxxx |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 2.9 | DU |  | ApproveEligible | N/A | No | xxxx | 0 |  | 0 | 0 | 2 | 0 |  | 12 | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | xxxx |  |  | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 224389021 | XXXX | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxxx | xxxx | xxxx | xxxx |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 4.5 | DU |  | ApproveIneligible | N/A | No | xxxx | 0 |  | 0 | 0 | 2 | 0 |  | 144 | xxxx | No |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx |  |  | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 224389022 | XXXX | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxxx | xxxx | xxxx | xxxx |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 1.0 | DU |  | ApproveIneligible | N/A | No | xxxx | 0 |  | 0 | 0 | 2 | 0 |  | 12 | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx |  | No | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 224389023 | XXXX | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxxx | xxxx | xxxx |  |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 3.8 | DU |  | ApproveEligible | N/A | No | xxxx | 0 |  | 0 | 0 | 2 | 0 | 12 |  | xxxx | No |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx |  | No | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 224389024 | XXXX | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxxx | xxxx | xxxx | xxxx |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 2.5 |  |  |  | N/A | No | xxxx | 0 |  | 0 | 0 | 2 | 0 |  | 12 | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx |  | Yes | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| 224389025 | XXXX | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx | xxxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxxx | xxxx | xxxx | xxxx | xxxx |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 1.4 | DU |  | ApproveEligible | N/A | No | xxxx | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | xxxx |  |  | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 224389026 | XXXX | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx | xxxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Farming]; 1040 - Schedule F - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Farming]; 1040 - Schedule F - 2024<br> [Coborrower(s) - \| Non-Primary Income - Farming]; 1040 - Schedule F - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 2.1 | DU |  | ApproveIneligible | N/A | No | xxxx | 1 | 1 | 2 | 0 | 2 | 2 |  |  | xxxx | No |  |  |  |  |  |  |  |  | 360 | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | xxxx |  | Yes | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 224389027 | XXXX | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxxx | xxxx | xxxx | xxxx |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 2.0 |  |  |  | N/A | No | xxxx | 0 |  | 0 | 0 | 2 | 0 |  | 12 | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | xxxx |  |  | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 224389029 | XXXX | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxxx | xxxx | xxxx | xxxx |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 1.0 | DU |  | ApproveIneligible | N/A | No | xxxx | 0 |  | 0 | 0 | 2 | 0 |  | 12 | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx |  | No | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 224389030 | XXXX | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxxx | xxxx | xxxx | xxxx |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 1.2 | DU |  | ApproveEligible | N/A | No | xxxx | 0 |  | 0 | 0 | 2 | 0 |  | 12 | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx |  |  | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 224389031 | XXXX | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxxx | xxxx | xxxx | xxxx |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 1.6 | DU |  | ApproveEligible | N/A | No | xxxx | 0 |  | 0 | 0 | 2 | 0 |  | 12 | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx |  | No | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 224389032 | XXXX | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx | xxxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxxx | xxxx | xxxx | xxxx |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 1.8 | DU |  | ApproveEligible | N/A | No | xxxx | 0 | 2 | 0 | 0 | 2 | 0 |  | 12 | xxxx | No |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | xxxx |  | Yes | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 224389033 | XXXX | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 2.6 |  |  |  | N/A | No | xxxx | 1 |  | 1 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | xxxx |  |  | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 224389034 | XXXX | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxxx | xxxx | xxxx | xxxx |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 4.0 | DU |  | ApproveEligible | N/A | No | xxxx | 0 |  | 0 | 0 | 2 | 0 |  | 12 | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx |  |  | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 224389035 | XXXX | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx | xxxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxxx | xxxx | xxxx | xxxx |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 2.0 | DU |  | ApproveIneligible | N/A | No | xxxx | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | xxxx | Retail | Yes | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 224389036 | XXXX | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxxx | xxxx | xxxx | xxxx |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 1.3 | DU |  | ApproveEligible | N/A | No | xxxx | 0 |  | 0 | 0 | 2 | 0 |  | 12 | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx |  |  | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 224389037 | XXXX | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxxx | xxxx | xxxx | xxxx |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 1.0 | DU |  | ApproveEligible | N/A | No | xxxx | 0 |  | 0 | 0 | 2 | 0 |  | 12 | xxxx | No |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx |  |  | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 224389038 | XXXX | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxxx | xxxx | xxxx | xxxx |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 1.0 | DU |  | ApproveEligible | N/A | No | xxxx | 0 |  | 0 | 0 | 2 | 0 |  | 12 | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx |  |  | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 224389039 | XXXX | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 1.9 |  |  |  | N/A | No | xxxx | 0 |  | 0 | 0 | 2 | 0 |  |  | xxxx | No |  |  |  |  | Other | Yes | Mixed | Not Tested |  | xxxx | xxxx |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | xxxx |  |  | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 224389040 | XXXX | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx | xxxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 2.3 |  |  |  | N/A | No | xxxx | 2 | 0 | 1 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | xxxx |  | No | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 224389041 | XXXX | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxxx | xxxx | xxxx | xxxx |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 4.2 |  |  |  | N/A | No | xxxx | 0 |  | 0 | 0 | 2 | 0 |  | 12 | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | xxxx |  |  | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 224389042 | XXXX | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 1.0 |  |  |  | N/A | No | xxxx | 2 |  | 0 | 0 | 2 | 2 |  |  | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | xxxx |  |  | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 224389043 | XXXX | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxxx | xxxx | xxxx | xxxx |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 80.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 1.0 |  |  |  | N/A | No | xxxx | 0 |  | 0 | 0 | 2 | 0 |  | 12 | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | xxxx |  |  | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 224389044 | XXXX | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxxx | xxxx | xxxx | xxxx |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 2.3 |  |  |  | N/A | No | xxxx | 0 |  | 0 | 0 | 2 | 0 |  | 12 | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx |  |  | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 224389045 | XXXX | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 1.4 |  |  |  | N/A | No | xxxx | 0 |  | 2 | 0 | 2 | 2 |  |  | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | xxxx |  | No | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 224389046 | XXXX | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxxx | xxxx | xxxx | xxxx |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 1.0 |  |  |  | N/A | No | xxxx | 0 |  | 0 | 0 | 2 | 0 |  | 12 | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx |  |  | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 224389047 | XXXX | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 2.1 |  |  |  | N/A | No | xxxx | 0 |  | 0 | 0 | 2 | 2 |  |  | xxxx | No |  |  |  |  | Other | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx |  | No | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 224389048 | XXXX | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2024<br> [Borrower - \| Primary Income - Wages]; Other - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Other - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 1.0 |  |  |  | N/A | No | xxxx | 2 |  | 1 | 0 | 2 | 0 |  |  | xxxx | No |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx |  | No | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 224389050 | XXXX | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 1.0 |  |  |  | N/A | No | xxxx | 2 |  | 1 | 0 | 2 | 2 |  |  | xxxx | No |  |  |  |  | Other | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx |  | No | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 224389051 | XXXX | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | xxxx | xxxx | xxxx | xxxx |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 1.0 | DU |  | ApproveEligible | N/A | No | xxxx | 0 |  | 0 | 0 | 2 | 0 |  | 12 | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx |  |  | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 224611739 | XXXX | xxxx |  | xxxx |  |  |  | No | No |  |  |  |  | xxxx | xxxx | xxxx | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  | xxxx |  |  |  | xxxx | 1.0 |  |  |  | N/A | No | xxxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | xxxx | No | xxxx | xxxx |  |  |  |  |  |  |  | xxxx | xxxx |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | xxxx |  |  | Yes |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 224611741 | XXXX | xxxx |  | xxxx |  |  |  | No | No |  |  |  |  | xxxx | xxxx | xxxx | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  | xxxx |  |  |  | xxxx |  |  |  |  | N/A | No | xxxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | xxxx | No | xxxx | xxxx |  |  |  |  |  |  |  | xxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | xxxx |  |  | Yes |  | xxxx | xxxx | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 224611743 | XXXX | xxxx |  | xxxx |  |  |  | No | No |  |  |  |  | xxxx | xxxx | xxxx | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  | xxxx |  |  |  | xxxx |  |  |  |  | N/A | No | xxxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | xxxx | No | xxxx | xxxx |  |  |  |  |  |  |  | xxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | xxxx |  |  | Yes |  | xxxx | xxxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | 1 |
| 224611744 | XXXX | xxxx |  | xxxx |  |  |  | No | No |  |  |  |  | xxxx | xxxx | xxxx | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  | xxxx |  |  |  | xxxx | 1.4 |  |  |  | N/A | No | xxxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | xxxx | No | xxxx | xxxx |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | xxxx |  |  | Yes |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| 224712920 | XXXX | xxxx |  | xxxx |  |  |  | No | No |  |  |  |  | xxxx | xxxx | xxxx | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  | xxxx |  |  |  | xxxx | 1.0 |  |  |  | No | No | xxxx | 0 |  | 0 | 0 | 0 | 0 |  |  | xxxx | No | xxxx | xxxx |  |  |  |  |  |  |  | xxxx | xxxx |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | xxxx |  |  | Yes |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| 224712921 | XXXX | xxxx |  | xxxx |  |  |  | No | No |  |  |  |  | xxxx | xxxx | xxxx | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  | xxxx |  |  |  | xxxx | 1.0 |  |  |  | N/A | No | xxxx | 0 |  | 0 | 0 | 0 | 0 |  |  | xxxx | No | xxxx | xxxx |  |  |  |  |  |  |  | xxxx | xxxx |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  | No | xxxx |  |  | Yes |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| 224765798 | XXXX | xxxx |  | xxxx |  |  |  | No | No |  |  |  |  | xxxx | xxxx | xxxx | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  | xxxx |  |  |  | xxxx |  |  |  |  | N/A | No | xxxx | 0 | 0 | 0 | 0 | 0 | 0 |  |  | xxxx | No | xxxx | xxxx |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | xxxx |  |  | Yes |  | xxxx | xxxx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | No | No | No | No | 1 |

---

## Exhibit 99.13

![](situs_logo.jpg)

#### ASF Addendum - Business Purpose

#### Run Date - 2/6/2026 2:11:05 PM

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Rental Purpose** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DTI Calculation** | **Calculated Monthly Debt** | **Property DTI** | **Investor DTI** | **Inverse DSCR** | **Net Operating Income** | **Total Debt Service** | **DSCR** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Lease in Place Flag Unit 1** | **Lease Start Date Unit 1** | **Lease End Date Unit 1** | **Original Lease Term Unit 1** | **Rental Purpose Unit 1** | **Actual In Place Rent Unit 1** | **Third Party Market Rent Estimate Unit 1** | **Lease in Place Flag Unit 2** | **Lease Start Date Unit 2** | **Lease End Date Unit 2** | **Original Lease Term Unit 2** | **Rental Purpose Unit 2** | **Actual In Place Rent Unit 2** | **Third Party Market Rent Estimate Unit 2** | **Lease in Place Flag Unit 3** | **Lease Start Date Unit 3** | **Lease End Date Unit 3** | **Original Lease Term Unit 3** | **Rental Purpose Unit 3** | **Actual In Place Rent Unit 3** | **Third Party Market Rent Estimate Unit 3** | **Lease in Place Flag Unit 4** | **Lease Start Date Unit 4** | **Lease End Date Unit 4** | **Original Lease Term Unit 4** | **Rental Purpose Unit 4** | **Actual In Place Rent Unit 4** | **Third Party Market Rent Estimate Unit 4** | **Lease in Place Flag Unit 5** | **Lease Start Date Unit 5** | **Lease End Date Unit 5** | **Original Lease Term Unit 5** | **Rental Purpose Unit 5** | **Actual In Place Rent Unit 5** | **Third Party Market Rent Estimate Unit 5** | **Lease in Place Flag Unit 6** | **Lease Start Date Unit 6** | **Lease End Date Unit 6** | **Original Lease Term Unit 6** | **Rental Purpose Unit 6** | **Actual In Place Rent Unit 6** | **Third Party Market Rent Estimate Unit 6** | **Lease in Place Flag Unit 7** | **Lease Start Date Unit 7** | **Lease End Date Unit 7** | **Original Lease Term Unit 7** | **Rental Purpose Unit 7** | **Actual In Place Rent Unit 7** | **Third Party Market Rent Estimate Unit 7** | **Lease in Place Flag Unit 8** | **Lease Start Date Unit 8** | **Lease End Date Unit 8** | **Original Lease Term Unit 8** | **Rental Purpose Unit 8** | **Actual In Place Rent Unit 8** | **Third Party Market Rent Estimate Unit 8** | **Lease in Place Flag Unit 9** | **Lease Start Date Unit 9** | **Lease End Date Unit 9** | **Original Lease Term Unit 9** | **Rental Purpose Unit 9** | **Actual In Place Rent Unit 9** | **Third Party Market Rent Estimate Unit 9** | **Lease in Place Flag Unit 10** | **Lease Start Date Unit 10** | **Lease End Date Unit 10** | **Original Lease Term Unit 10** | **Rental Purpose Unit 10** | **Actual In Place Rent Unit 10** | **Third Party Market Rent Estimate Unit 10** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Asset Verification** | **Blanket Mortgage Flag** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Borrower 1** | **Foreign National Borrower 2** | **Investor Type** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 Employment Status** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 1 Number of Mortgaged Properties** | **Borrower 1 Citizenship** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 1 Country Name** | **Borrower 1 Asset Verification Level** | **Borrower 1 Credit Order Date** | **Borrower 1 Experian FICO** | **Borrower 1 Experian FICO Model Used** | **Borrower 1 Equifax FICO** | **Borrower 1 Equifax FICO Model Used** | **Borrower 1 TransUnion FICO** | **Borrower 1 TransUnion FICO Model Used** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 Employment Status** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 2 Number of Mortgaged Properties** | **Borrower 2 Citizenship** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 2 Country Name** | **Borrower 2 Asset Verification Level** | **Borrower 2 Credit Order Date** | **Borrower 2 Experian FICO** | **Borrower 2 Experian FICO Model Used** | **Borrower 2 Equifax FICO** | **Borrower 2 Equifax FICO Model Used** | **Borrower 2 TransUnion FICO** | **Borrower 2 TransUnion FICO Model Used** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 3 Number of Mortgaged Properties** | **Borrower 3 Citizenship** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 3 Country Name** | **Borrower 3 Asset Verification Level** | **Borrower 3 Credit Order Date** | **Borrower 3 Experian FICO** | **Borrower 3 Experian FICO Model Used** | **Borrower 3 Equifax FICO** | **Borrower 3 Equifax FICO Model Used** | **Borrower 3 TransUnion FICO** | **Borrower 3 TransUnion FICO Model Used** | **Borrower 4 Designation** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 4 Number of Mortgaged Properties** | **Borrower 4 Citizenship** | **Borrower 4 Documentation Used to Determine Legal Residency** | **Borrower 4 Country Name** | **Borrower 4 Asset Verification Level** | **Borrower 4 Credit Order Date** | **Borrower 4 Experian FICO** | **Borrower 4 Experian FICO Model Used** | **Borrower 4 Equifax FICO** | **Borrower 4 Equifax FICO Model Used** | **Borrower 4 TransUnion FICO** | **Borrower 4 TransUnion FICO Model Used** | **Personal Guarantee** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Business Ownership Percent** | **Guarantor 1 Recourse Type** | **Guarantor 1 Number of Mortgaged Properties** | **Guarantor 1 Citizenship** | **Guarantor 1 Documentation Used to Determine Legal Residency** | **Guarantor 1 Country Name** | **Guarantor 1 Asset Verification Level** | **Guarantor 1 Employment Verification Level** | **Guarantor 1 Income Verification Level** | **Guarantor 1 FICO Model Used** | **Guarantor 1 Credit Order Date** | **Guarantor 1 Experian FICO** | **Guarantor 1 Experian FICO Model Used** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Equifax FICO Model Used** | **Guarantor 1 TransUnion FICO** | **Guarantor 1 TransUnion FICO Model Used** | **Guarantor 1 Most Recent Fico Method** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Business Ownership Percent** | **Guarantor 2 Recourse Type** | **Guarantor 2 Number of Mortgaged Properties** | **Guarantor 2 Citizenship** | **Guarantor 2 Documentation Used to Determine Legal Residency** | **Guarantor 2 Country Name** | **Guarantor 2 Asset Verification Level** | **Guarantor 2 Employment Verification Level** | **Guarantor 2 Income Verification Level** | **Guarantor 2 FICO Model Used** | **Guarantor 2 Credit Order Date** | **Guarantor 2 Experian FICO** | **Guarantor 2 Experian FICO Model Used** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Equifax FICO Model Used** | **Guarantor 2 TransUnion FICO** | **Guarantor 2 TransUnion FICO Model Used** | **Guarantor 2 Most Recent Fico Method** | **Guarantor 3 First Name** | **Guarantor 3 Last Name** | **Guarantor 3 Business Ownership Percent** | **Guarantor 3 Recourse Type** | **Guarantor 3 Number of Mortgaged Properties** | **Guarantor 3 Citizenship** | **Guarantor 3 Documentation Used to Determine Legal Residency** | **Guarantor 3 Country Name** | **Guarantor 3 Asset Verification Level** | **Guarantor 3 Employment Verification Level** | **Guarantor 3 Income Verification Level** | **Guarantor 3 FICO Model Used** | **Guarantor 3 Credit Order Date** | **Guarantor 3 Experian FICO** | **Guarantor 3 Experian FICO Model Used** | **Guarantor 3 Equifax FICO** | **Guarantor 3 Equifax FICO Model Used** | **Guarantor 3 TransUnion FICO** | **Guarantor 3 TransUnion FICO Model Used** | **Guarantor 3 Most Recent Fico Method** | **Guarantor 4 First Name** | **Guarantor 4 Last Name** | **Guarantor 4 Business Ownership Percent** | **Guarantor 4 Recourse Type** | **Guarantor 4 Number of Mortgaged Properties** | **Guarantor 4 Citizenship** | **Guarantor 4 Documentation Used to Determine Legal Residency** | **Guarantor 4 Country Name** | **Guarantor 4 Asset Verification Level** | **Guarantor 4 Employment Verification Level** | **Guarantor 4 Income Verification Level** | **Guarantor 4 FICO Model Used** | **Guarantor 4 Credit Order Date** | **Guarantor 4 Experian FICO** | **Guarantor 4 Experian FICO Model Used** | **Guarantor 4 Equifax FICO** | **Guarantor 4 Equifax FICO Model Used** | **Guarantor 4 TransUnion FICO** | **Guarantor 4 TransUnion FICO Model Used** | **Guarantor 4 Most Recent Fico Method** | **Authorized Signor 1 First Name** | **Authorized Signor 1 Last Name** | **Authorized Signor 2 First Name** | **Authorized Signor 2 Last Name** | **Member 1 First Name** | **Member 1 Last Name** | **Member 1 Documentation Used to Determine Legal Residency** | **Member 1 Credit Order Date** | **Member 1 Experian FICO** | **Member 1 Experian FICO Model Used** | **Member 1 Equifax FICO** | **Member 1 Equifax FICO Model Used** | **Member 1 TransUnion FICO** | **Member 1 TransUnion FICO Model Used** | **Member 1 Asset Verification Level** | **Member 1 Employment Verification Level** | **Member 1 Income Verification Level** | **Member 2 First Name** | **Member 2 Last Name** | **Member 2 Documentation Used to Determine Legal Residency** | **Member 2 Credit Order Date** | **Member 2 Experian FICO** | **Member 2 Experian FICO Model Used** | **Member 2 Equifax FICO** | **Member 2 Equifax FICO Model Used** | **Member 2 TransUnion FICO** | **Member 2 TransUnion FICO Model Used** | **Member 2 Asset Verification Level** | **Member 2 Employment Verification Level** | **Member 2 Income Verification Level** | **Loan Application Date** | **Sales Contract Date** | **Qualifying Home Value for LTV** | **Number of Units** | **Year Built** | **Total Sq Ft** | **Number of Bedrooms** | **Number of Bathrooms** | **Property Condition** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Investment Property Original As Is LTV** | **As Is Value** | **After Repair Value** | **After Repair Value LTV** | **Loan to Cost** | **Original Sales Price** | **Assignment Fee** | **Loan to Purchase Price** | **SBC Occupancy** | **Investment Property Type** | **Has Dutch Interest** | **Interest Reserves Escrowed** | **Guarantor 1 ITIN Flag** | **Guarantor 2 ITIN Flag** | **Guarantor 3 ITIN Flag** | **Guarantor 4 ITIN Flag** |
| 224389026 | XXXX | XXXX |  |  |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX |  | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | Level 4-Stated/Verified as defined <br>|  |  |  | No | No | No |  |  | US Citizen | US Citizen | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | Individual | Individual | Employed |  |  | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined&nbsp;&nbsp;&nbsp;&nbsp; <br>| XXXX | XXXX | Fair Isaac | XXXX | Beacon 5.0 | XXXX | FICO Risk Score Classic 04 <br>| Individual | Individual | Employed |  |  | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined <br>| XXXX | XXXX | Fair Isaac | XXXX | Beacon 5.0 | XXXX | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 224611739 | XXXX | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXXX | Third Party Rental Source <br>| XXXX |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX |  |  | Yes | XXXX | XXXX | 1 | Long Term | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | XXXX | Level 2-Stated/Not Verified | No |  |  | No | No | No |  | XXXX | US Citizen | US Citizen | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | XXXX | XXXX | Fair Isaac (VER. 2) <br>| XXXX | FICO Classic V5 Facta <br>| XXXX | FICO Risk Score Classic 04 | Individual | Individual |  |  |  | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | XXXX | XXXX | Fair Isaac (VER. 2) <br>| XXXX | FICO Classic V5 Facta <br>| XXXX | FICO Risk Score Classic 04 <br>|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 224611741 | XXXX | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXXX | Multiple Sources | XXXX |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX |  |  | Yes | XXXX | XXXX | 12 | Long Term | XXXX | XXXX | Yes | XXXX | XXXX | 12 | Long Term | XXXX | XXXX | Yes | XXXX | XXXX | 12 | Long Term | XXXX | XXXX | Yes | XXXX | XXXX | 12 | Long Term | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  |  | XXXX | XXXX | Level 2-Stated/Not Verified | No |  |  | No |  |  |  | XXXX |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified <br>|  |  | Classic | XXXX | XXXX | Fair Isaac (VER. 2) <br>| XXXX | FICO Classic V5 Facta <br>| XXXX | FICO Risk Score Classic 04 <br>| 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 4 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 224611743 | XXXX | XXXX |  |  |  |  |  |  | Yes | Yes | Long Term |  |  |  | XXXX | Rent on Existing Lease | XXXX |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX |  |  | Yes | XXXX | XXXX | 12 | Long Term | XXXX | XXXX | Yes | XXXX | XXXX | 12 | Long Term | XXXX | XXXX | Yes | XXXX | XXXX | 12 | Long Term | XXXX | XXXX | Yes | XXXX | XXXX | 12 | Long Term | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  |  | XXXX | XXXX | Level 2-Stated/Not Verified | No |  |  | No |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified |  |  | Classic | XXXX | XXXX | Fair Isaac (VER. 2) | XXXX | FICO Classic V5 Facta | XXXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 4 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 224611744 | XXXX | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXXX | Third Party Rental Source | XXXX |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX |  |  | No |  |  |  | Long Term |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | XXXX | Level 4-Stated/Verified as defined | No |  |  | No |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX | Full Recourse | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified <br>|  |  | Classic | XXXX | XXXX | Fair Isaac (VER. 2) | XXXX | FICO Classic V5 Facta | XXXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C4 |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |
| 224712920 | XXXX | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXXX | Third Party Rental Source | XXXX |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX |  |  | No |  |  |  | Long Term |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | XXXX | Level 2-Stated/Not Verified | No |  |  | No | No |  |  | 7.48 | US Citizen |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | Individual | Individual |  |  |  | 3 | US Citizen |  |  | Level 2-Stated/Not Verified | XXXX | XXXX | Fair Isaac (VER. 2) | XXXX | FICO Classic V5 Facta | XXXX | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 224712921 | XXXX | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXXX | Third Party Rental Source | XXXX |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX |  |  | No |  |  |  | Long Term |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  | XXXX | XXXX | Level 2-Stated/Not Verified | No |  |  | No | No |  |  | 0.25 | US Citizen |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | Individual | Individual |  |  |  | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | XXXX | XXXX | Fair Isaac (VER. 2) | XXXX | FICO Classic V5 Facta | XXXX | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 224765798 | XXXX | XXXX |  |  |  |  |  |  | Yes | No | Long Term |  |  |  | XXXX | Third Party Rental Source | XXXX |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX |  |  | No |  |  |  | Long Term |  | XXXX | No |  |  |  | Long Term |  | XXXX | No |  |  |  | Long Term |  | XXXX | No |  |  |  | Long Term |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  |  | XXXX | XXXX | Level 1-Not Stated/Not Verified | No |  |  | No |  |  |  |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | LLC | Business Entity |  |  |  | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX | Full Recourse | 3 | US Citizen |  |  | Level 3-Stated/Partially Verified |  |  | Classic | XXXX | XXXX | Fair Isaac (VER. 2) | XXXX | FICO Classic V5 Facta | XXXX | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 4 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |

---

## Exhibit 99.14

![](ca_logo.jpg)

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

#### Overview
Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on newly originated residential mortgage loans purchased by Aspire Sponsor LLC. The review included a total of 465 newly originated residential mortgage loans, in connection with the securitization identified as SPIRE 2026-1 (the "Securitization"). The Review was conducted from June 2025 through January 2026 on mortgage loans originated between May 2025 and December 2025.

#### Scope of Review

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

The Credit Review attempted to confirm the following:

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

<br> i. Income / Assets

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

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

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

<br> ii. Employment Status

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

<br> iii. Monthly Mortgage Payment

<br> • Confirm program, qualifying rate, terms

<br> iv. Simultaneous Loans

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

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

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

<br> vi. Debts / Obligations

<br> • Validate monthly recurring liabilities

<br> vii. DTI and/or Residual Income

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

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

<br> viii. Credit History

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

<br> • Determine representative credit score from credit report

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

<br> c. Review borrower's occupancy

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

------

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

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

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

<br> h. Confirm Loan Approval conditions were met

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

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

<br> i. Pricing Thresholds:

<br> a. Pricing for First Lien Loans:

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

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

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

<br> b. Pricing for Subordinate Lien Loans:

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

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

<br> c. Pricing for Manufactured Homes:

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

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

<br> ii. Consider Income and Assets:

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

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

<br> o The monthly DTI or residual income.

<br> iii. Verification of Income and Assets:

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

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

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

------

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

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

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

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

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

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

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

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

<br> c. Tolerance Testing

<br> i. Compare Loan Estimate and Closing Disclosures

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

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

<br> e. Recalculation of APR and Finance Charge

<br> f. Testing of:

<br> i. Federal High-Cost Mortgage provisions

<br> ii. Federal Higher Priced Mortgage Loans provisions

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

<br> iv. HOEPA Points and Fees

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

<br> i. Service Provider List

<br> ii. Home Ownership Counselling Disclosure

<br> iii. ARM Disclosure

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

<br> i. APR Test

<br> ii. Points & Fees Test

<br> iii. Prepayment Penalty Test

<br> iv. Product Eligibility Testing

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

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

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

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

------

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

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

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

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

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

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

<br> b. Review appraisal, determination that property is completely constructed and appraisal is on an "as is basis," or property is identified as not completely constructed by originating appraiser.

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

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

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

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

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

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

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

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

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

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

m. Additional valuation products were not required when the CU score provided was 2.5 or below or the appraisal LCA risk score was eligible for Collateral Rep and Warranty relief. In the event the CU score was greater than 2.5 or the LCA score was not eligible for R&W relief, an additional valuation product was obtained to confirm value was supported within 10% tolerance. In some instances, based on guideline from the seller, CDA's were ordered on loans that had an acceptable CU score or R&W eligibility.

Consolidated Analytics applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third-party valuation product.

------

For loans reviewed in a post-close valuation review scenario (465 loans in total):

Seventeen (17) loans had a Secondary Appraisal, zero (0) loans had an AVM, and two hundred sixty-five (265) loans had a Desktop Review.

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

One (1) loan had a Field Review or BPO, six (6) loans had a Second Desk Review, and zero (0) loans had a Full Appraisal Review.

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

#### TAPE INTEGRITY REVIEW RESULTS SUMMARY
Of the four hundred sixty-five (465) mortgage loans reviewed, three hundred fifty-four (354) unique mortgage loans (76.13% by loan count) had a total of six hundred forty-two (62) discrepancies across twenty-seven (27) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| **Fields Reviewed** | **Discrepancy Count** | **Percentage** |
| Qualifying Total Debt Income Ratio | 142 | 22.12% |
| Cash out Include Debt Paid at Close | 113 | 17.60% |
| Property Value | 85 | 13.24% |
| Qualifying LTV | 48 | 7.48% |
| Qualifying CLTV | 48 | 7.48% |
| Property Attachment Type | 29 | 4.52% |
| Escrow Flag | 27 | 4.21% |
| Subject Property Type | 25 | 3.89% |
| Application Date | 24 | 3.74% |
| Pricing Doc Type | 18 | 2.80% |
| Refinance Purpose | 17 | 2.65% |
| Qualifying FICO | 16 | 2.49% |
| Property Type | 8 | 1.25% |
| Number of Units | 6 | 0.93% |
| ULI | 6 | 0.93% |
| Sales Price | 5 | 0.78% |
| Property Zip Code | 4 | 0.62% |
| Interest Rate | 4 | 0.62% |
| Prepayment Penalty Total Term | 4 | 0.62% |
| Loan Amount | 3 | 0.47% |
| Note Date | 2 | 0.31% |
| Occupancy | 2 | 0.31% |
| Borrower 1 SSN | 2 | 0.31% |

---

------

---

| | | |
|:---|:---|:---|
| Loan Purpose | 1 | 0.16% |
| Borrower 3 SSN | 1 | 0.16% |
| Cash Out Amount | 1 | 0.16% |
| Borrower 2 SSN | 1 | 0.16% |
| **Grand Total** | **642** | **100.00%** |

---

#### Summary of Results

#### OVERALL RESULTS SUMMARY

#### Final Loan Grades

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** |  |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 337 | $171286368.00 | 72.47% |
| Event Grade B | 128 | $79947585.00 | 27.53% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 465 | $251233953.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 363 | 78.06% |
| Event Grade B | 102 | 21.94% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 465 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 443 | 95.27% |
| Event Grade B | 22 | 4.73% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 465 | 100.00% |

---

------

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 453 | 97.42% |
| Event Grade B | 12 | 2.58% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 465 | 100.00% |

---

------

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

---

| | | | |
|:---|:---|:---|:---|
| Exception Type | Exception Level Grade | Exception Category | Total |
| Credit | A | No Credit Findings | 178 |
| Credit | A | Application Profile Missing | 18 |
| Credit | A | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | 16 |
| Credit | A | Loan does not conform to program guidelines | 16 |
| Credit | A | Missing Letter of Explanation (Credit) | 12 |
| Credit | A | Borrower Rental Experience Not Within Guidelines | 11 |
| Credit | A | Missing VOM or VOR | 11 |
| Credit | A | Title Coverage is Less than Subject Lien | 9 |
| Credit | A | Missing Lender Income Calculation Worksheet | 9 |
| Credit | A | Rent Loss Insurance Missing | 8 |
| Credit | A | Third Party Fraud Report not Provided | 8 |
| Credit | A | Fraud Report Shows Uncleared Alerts | 6 |
| Credit | A | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | 6 |
| Credit | A | Housing History Does Not Meet Guideline Requirements | 6 |
| Credit | A | Approval/Underwriting Summary Not Provided | 6 |

---

------

---

| | |
|:---|:---|
| Missing Lease Agreement | 6 |
| Income and Employment Do Not Meet Guidelines | 6 |
| Purchase Contract is Missing | 5 |
| The Note is Incomplete | 5 |
| Purpose does not meet eligibility requirement(s) | 5 |
| Borrower 1 3rd Party VOE Prior to Close Missing | 5 |
| Title Document Missing | 5 |
| Asset Qualification Does Not Meet Guideline Requirements | 5 |
| Audited Reserves are less than Guideline Required Reserves (Number of Months) | 4 |
| The Final 1003 is Incomplete | 4 |
| The Deed of Trust is Incomplete | 4 |
| Asset 1 Does Not Meet Guideline Requirements | 4 |
| The Final 1003 is Missing | 4 |
| Flood Certificate Missing | 4 |
| The Total Hazard Coverage is LESS than the Required Coverage Amount | 4 |
| Hazard Insurance Policy is Missing | 4 |
| Property Title Issue | 4 |
| Missing income documentation | 4 |
| Borrower 1 Credit Report is Missing | 3 |
| HO6 Master Insurance Policy is Missing | 3 |
| Borrower 1 Credit Report is Incomplete | 3 |
| Business Purpose Affidavit/Disclosure Missing | 3 |
| Missing Business Entity Formation Document | 3 |
| Borrower 1 CPA Letter Missing | 3 |
| Missing Personal Guaranty | 3 |
| Asset 2 Does Not Meet Guideline Requirements | 3 |
| Borrower 1 Business Bank Statements Missing | 3 |
| All Interested Parties Not Checked with Exclusionary Lists | 2 |
| The Deed of Trust is Missing | 2 |
| Borrower 2 3rd Party VOE Prior to Close Missing | 2 |
| HO-6 Insurance Policy is Missing | 2 |
| Missing Loan program disclosure | 2 |
| 1-4 Family Rider is Missing | 2 |
| Assets do not meet guideline requirements | 2 |
| Missing explanation and supporting documentation for large deposit(s) | 2 |
| Rent Loss Coverage Not Sufficient | 2 |
| Missing Income - Bank Statements | 2 |
| Missing Letter of Explanation (Income) | 2 |

---

------

---

| | |
|:---|:---|
| Third Party Fraud Report Partially Provided | 2 |
| Borrower 2 Business Bank Statements Missing | 1 |
| Borrower 1 Gap Credit Report is Missing | 1 |
| Missing evidence of self employment | 1 |
| Hazard Insurance Policy is Partial | 1 |
| Asset 3 Does Not Meet Guideline Requirements | 1 |
| Corporate Loan Resolution is Missing | 1 |
| Borrower 2 Credit Report is Missing | 1 |
| Verification of Borrower Liabilities Missing or Incomplete | 1 |
| OFAC Check Not Completed and/or Cleared | 1 |
| Guideline Seasoning not Met | 1 |
| Borrower 1 W2/1099 Missing | 1 |
| Asset 4 Does Not Meet Guideline Requirements | 1 |
| Audited DTI Exceeds Guideline DTI | 1 |
| Asset Documents are Incomplete | 1 |
| The Deed of Trust is Not Executed | 1 |
| Asset 2 Missing | 1 |
| Borrower 2 Photo Identification not provided | 1 |
| Income 4 Months Income Verified is Missing | 1 |
| Occupancy Not Allowed | 1 |
| Hazard Insurance Effective Date is after the Disbursement Date | 1 |
| Overdraft/NSF Count Exceeds Tolerance | 1 |
| Missing Property Tax Cert | 1 |
| PUD Rider is Missing | 1 |
| Title issue | 1 |
| Purchase is not considered to be an Arm's Length Transaction | 1 |
| Missing Taxpayer First Act Disclosure | 1 |
| Delinquent Credit History Does Not Meet Guideline Requirements | 1 |
| Audited LTV Exceeds Guideline LTV | 1 |
| Subject Property Address on Note does not match Insured Property Address | 1 |
| HO6 Insurance Policy Expiration Date is before the Note Date | 1 |
| Missing Credit Report Supplement | 1 |
| Borrower Non-US Citizen Identification Document Missing | 1 |
| Borrower 2 CPA Letter Missing | 1 |
| Borrower 1 Deed of Trust Signature does not match Note | 1 |
| The Initial 1003 is Missing | 1 |
| Income/Employment General | 1 |
| Borrower Contributions Do Not Met Guideline Minimum | 1 |

---

------

---

| | | |
|:---|:---|:---|
| | Named Insured on Hazard Insurance does not match Borrower(s) Name(s) | 1 |
| | ATR: Current Employment Not Verified | 1 |
| | Missing Trust Agreement | 1 |
| | Title Document is Partially Present | 1 |
| | Missing Verification of Mortgage | 1 |
| | DSCR is less than guideline minimum | 1 |
| | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | 1 |
| | Missing rent comparable schedule form 1007 | 1 |
| | Asset 3 Missing | 1 |
|  | ***Total Credit Grade (A) Exceptions:*** | ***499*** |
| B | Asset Qualification Does Not Meet Guideline Requirements | 17 |
| B | Audited LTV Exceeds Guideline LTV | 15 |
| B | Missing Letter of Explanation (Credit) | 14 |
| B | Loan does not conform to program guidelines | 11 |
| B | Rent Loss Coverage Not Sufficient | 10 |
| B | Audited Interested Party Contribution Exceeds Guideline Program Maximum | 9 |
| B | Application Profile Missing | 9 |
| B | Borrower Rental Experience Not Within Guidelines | 7 |
| B | Rent Loss Insurance Missing | 7 |
| B | Asset 1 Does Not Meet Guideline Requirements | 6 |
| B | Income and Employment Do Not Meet Guidelines | 4 |
| B | Tradelines do not meet Guideline Requirements | 4 |
| B | Product Type does not meet eligibility requirement(s) | 3 |
| B | Asset 2 Does Not Meet Guideline Requirements | 3 |
| B | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | 3 |
| B | DSCR is less than guideline minimum | 3 |
| B | Purpose does not meet eligibility requirement(s) | 2 |
| B | Property Title Issue | 2 |
| B | Missing Letter of Explanation (Income) | 2 |
| B | Borrower 1 3rd Party VOE Prior to Close Missing | 2 |
| B | Fraud Report Shows Uncleared Alerts | 2 |
| B | Audited FICO is less than Guideline FICO | 2 |
| B | Housing History Does Not Meet Guideline Requirements | 2 |
| B | Years on the job does not meet guideline requirements | 1 |
| B | Credit history does not meet guidelines | 1 |
| B | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | 1 |
| B | Borrower 1 Executed 4506-T Missing | 1 |

---

------

---

| | | | |
|:---|:---|:---|:---|
| | | Borrower 1 Credit Report is Incomplete | 1 |
| | | Borrower 1 Personal Tax Returns Less Than 24 Months Provided | 1 |
| | | Title Coverage is Less than Subject Lien | 1 |
| | | Asset do not meet guidelines | 1 |
| | | Potential Occupancy/Current Address Issues identified in the file | 1 |
| | | Missing Alt Lending Form | 1 |
| | | Asset 3 Does Not Meet Guideline Requirements | 1 |
| | | Missing Lease Agreement | 1 |
| | | Audited DTI Exceeds AUS DTI | 1 |
| | | Borrower does not meet residual income requirement | 1 |
| | | The Final 1003 is Incomplete | 1 |
| | | Audited Reserves are less than Guideline Required Reserves (Number of Months) | 1 |
| | | Hazard Insurance Effective Date is after the Disbursement Date | 1 |
| | | Missing rent comparable schedule form 1007 | 1 |
| | | HO-6 Insurance Policy is Missing | 1 |
| | | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | 1 |
| | | Guideline Seasoning not Met | 1 |
|  |  | ***Total Credit Grade (B) Exceptions:*** | ***160*** |
| Compliance | A | No Compliance Findings | 30 |
| Compliance | A | Missing Required Affiliated Business Disclosure | 20 |
| Compliance | A | Charges That Cannot Increase Test | 12 |
| Compliance | A | eSigned Documents Consent is Missing | 12 |
| Compliance | A | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | 9 |
| Compliance | A | Initial Closing Disclosure Delivery Date Test | 9 |
| Compliance | A | Late Charge Percent is greater than 6% | 6 |
| Compliance | A | Qualified Mortgage Safe Harbor Threshold | 5 |
| Compliance | A | Late Charge Grace Period is less than 10 days | 5 |
| Compliance | A | Charges That In Total Cannot Increase More Than 10% Test | 4 |
| Compliance | A | Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6)) | 2 |
| Compliance | A | TRID: Missing Closing Disclosure | 2 |
| Compliance | A | Homeownership Counseling Disclosure Is Missing | 2 |
| Compliance | A | Qualified Mortgage Interest Only Test | 2 |
| Compliance | A | Lender Credits That Cannot Decrease Test | 2 |
| Compliance | A | Higher-Priced Mortgage Loan Test | 2 |
| Compliance | A | Regulation § 1026.43(c)(2)(vi) failure - The consumer's current debt obligations, alimony, and child support or other debt obligations were not confirmed and included in the DTI or excluded per lender guidelines. | 1 |

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| | | | |
|:---|:---|:---|:---|
| | | Intent to Proceed is Missing | 1 |
| | | Texas F2 Notice for Home Equity Disclosure is Missing | 1 |
| | | Missing QM/ATR Checklist | 1 |
| | | Missing Credit Score Disclosure (FACTA) | 1 |
| | | Final HUD-1 Document is Missing | 1 |
| | | Right of Rescission is Missing | 1 |
| | | CA Per Diem Interest Amount Test | 1 |
| | | Initial Loan Estimate delivered more than 3 business days from application | 1 |
| | | Qualified Mortgage APR Threshold Test | 1 |
| | | Missing Initial Escrow Disclosure | 1 |
|  |  | ***Total Compliance Grade (A) Exceptions:*** | ***135*** |
|  | B | Qualified Mortgage Lending Policy Points and Fees Test | 9 |
|  | B | Charges That Cannot Increase Test | 7 |
|  | B | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | 4 |
|  | B | Charges That In Total Cannot Increase More Than 10% Test | 1 |
|  | B | Incorrect rescission model used - RTC form model H-9 used for refinance not with Original Lender or Lender Affiliate | 1 |
|  | B | CA Per Diem Interest Amount Test | 1 |
|  | B | Final CD: Loan Disclosures Assumption incomplete or inaccurate | 1 |
|  | B | ***Total Compliance Grade (B) Exceptions:*** | ***24*** |
| Property | A | No Property Findings | 69 |
| Property | A | Third Party Valuation Product Not Provided within 10% Tolerance | 19 |
| Property | A | Property/Appraisal General | 5 |
| Property | A | Condo Approval Missing | 3 |
| Property | A | Appraisal is Missing | 3 |
| Property | A | HOA Does Not Meet Guidelines | 2 |
| Property | A | No HOA fees on appraisal and property identified as a PUD | 1 |
| Property | A | FEMA Post Disaster Inspection Report not Provided | 1 |
| Property | A | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | 1 |
| Property | A | Subject property appraisal is not on an as-is basis (Primary Value) | 1 |
| Property | A | Missing HOA/Condo Certification | 1 |
| Property | A | HOA Questionnaire is Incomplete | 1 |
| Property | A | HOA Questionnaire is Missing | 1 |
| Property | A | ***Total Property Grade (A) Exceptions:*** | ***108*** |
| Property | B | Property/Appraisal General | 8 |
| Property | B | Ineligible Property | 2 |
| Property | B | HOA Questionnaire is Incomplete | 1 |
| Property | B | Property Damage | 1 |
| Property | B | ***Total Property Grade (B) Exceptions:*** | ***12*** |

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#### Event Grade Definitions

---

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

---

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

---

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---

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

---

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

---

## Exhibit 99.15

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 409014107 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Appraisal confirms value of $XXXK. |
| 409014107 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | XX/XX/XXXX confirms CLTV of XXX%. |
| 409014107 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | XX/XX/XXXX confirms LTV of XXX%. |
| 409014107 | XXXXX |  | XXX | Sales Price | propertyValuationPage | XXX | XXX | New XXX Contract (p XXX) and FCD confirm XXX of $XXXK. LOX p XXX |
| 409016610 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | XXX confirmed with appraisal |
| 409016305 | XXXXX |  | XXX | Cash Out Amount | rwtGet1Page | XXX | XXX | XXX of XXX confirmed using final CD. |
| 409020612 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Subject is a PUD per appraisal, rider provided. |
| 409017301 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | XXX confirmed using final CD. |
| 409024844 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI matches the DTI on the XXX Tape DTI is rounded up. |
| 409025642 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | The audit value of XXX is the appraisal value and the tape value is the XXX. |
| 409025642 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI of XXX% is low er than lender DTI of XXX% Lender duplicated the payment for XXX auto loan and also excluded the new debts showing on the borrower's gap report. |
| 409025642 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Credit report for the co-borrower confirmed she had a lower mid-score of XXX |
| 409026009 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Per credit report, XXX was XXX |
| 409026009 | XXXXX |  | XXX | Sales Price | propertyValuationPage | XXX | XXX | Per final CD, XXX price was XXX |
| 409024207 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Audit value of XXX is appraised value. Tape data value of XXX is XXX. |
| 409025629 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Verified to appraised value vs. XXX price. |
| 409025629 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | Audit CLTV of XXX% matches XXX CLTV of XXX% |
| 409025629 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | Audit LTV of XXX% matches XXX LTV of XXX% |
| 409025135 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Audit is using the lower mid-score of both borrowers. |
| 409025135 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | postConsummationCdDetailPage | XXX | XXX | Final CD confirms the borrower received XXX cash back at closing. |
| 409025135 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI of XXX% vs lender DTI of XXX% due to XXX of self reporting utility debt on the Final XXXX |
| 409025135 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | The final CD reflects only homeowner's insurance was collected at closing. |
| 409025154 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Confirmed XXX to be XXXk per Appraisal & Desk Rev provided, not XXXk. |
| 409025154 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Confirmed Cash Out to Borrower to be XXX per executed Settlement Stmt, not XXX. |
| 409025154 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | Confirmed XXX to be XXX% XXX based on loan amt & Appraised Value, not XXX% |
| 409025154 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | Confirmed XXX to be XXX% XXX based on loan amt & Appraised Value, not XXX% |
| 409025154 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Confirmed subject property to be XXX unit XXX not XXX per appraisal provided. |
| 409026592 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | The final CD confirmed the borrowers received XXX cash back at closing. |
| 409024075 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Per final CD, cash to borrower was XXX |
| 409024295 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | XXX DTI = XXX%. FXXXX reflects XXX per month consumer debt that is reflected as XXX on the credit report provided. |
| 409024295 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | The FCD confirms borrower received $XK at close, making the loan XXX. |
| 409025190 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Verified to appraised value vs. XXX price. |
| 409025763 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Audit value captured from the appraisal which reflects a XXX property. |
| 409026167 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | XXX $XXX/ sale price $XXX=XX% CLTV |
| 409026167 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | XXX $XXX/ sale price $XXX=XXX% LTV |
| 409026167 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audited DTI is XXX% which matches the XXX in file. |
| 409025854 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Audit value captured from the final CD |
| 409025854 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | Audit value of XXX% matches the XXX |
| 409025854 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | Audit value matches XXX% matches the XXX |
| 409025292 | XXXXX |  | XXX | ULI | the1003Page | XXX | XXX | ULI verified with the Final XXXX. The numbers at the end of the ULI are different from data tape. |
| 409025292 | XXXXX |  | XXX | Borrower 1 SSN | the1003Page | XXX | XXX | SSN verified with Final XXXX and credit report. |
| 409025292 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | FICO score of XXX verified with credit report. |
| 409025292 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | ALTA Settlement Statement reflects escrows for hazard insurance. |
| 409023829 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI of XXX matches lender calculation. |
| 409023991 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Verified value with appraisal and Desk review. |
| 409023991 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Verified cash out to borrower as per HUD $XXX+Xnd lien payoff $XXX. |
| 409023991 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | Verified CLTV $XXX/$XXXk=XXX%. |
| 409023991 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | Verified LTV $XXX/$XXXk=XXX%. |
| 409024192 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | The credit report in file confirms the middle score of XXX and matches the XXX |
| 409024192 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | finalCdDetailPage | XXX | XXX | The FCD confirms the XXX. |
| 409024192 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | The XXX of $XXXM is confirmed by Note/Appraised value of $XXXM confirmed by appraisal = LTV of XX%. |
| 409024192 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | The XXX of $XXXM is confirmed by Note/Appraised value of $XXXM confirmed by appraisal = CLTV of XX%. |
| 409024192 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit of the verified debts/verified income = DTI of XXX% which matches the XXX |
| 409024192 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | The Bank Statements in file used for income are for personal checking and savings accounts. |
| 409025752 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Confirmed the XXX of XXX as per the Final CD |
| 409025186 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Qualifying DTI is XXX due to the T & I on Cowpoke Lane, XXX lender used XXX and the subject property taxes total XXX lender used $XXX. |
| 409024271 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Audit value is the appraisal value. Tape value is the XXX. |
| 409025970 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | finalCdDetailPage | XXX | XXX | The Final CD confirms the XXX amount. |
| 409025970 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | The audit of debts/asset depletion income confirms DTI of XXX% which increased due to income and property tax variances. |
| 409026731 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Tape has $XXXK for value, True value $XXXK |
| 409026731 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Verified property is an XXX Townhouse. |
| 409025911 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | The recalculate Total Qualifying DTI is $XXX(total housing payment) XXX (total debt) = $XXX/$XXX (qualifying total monthly income) = XXX%. There is a XXX% difference. The total DTI is still within lender's guidelines. |
| 409025911 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | The doc type is XXX months banks Statements |
| 409025966 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | Loan is a XXX month bank Statement loan. |
| 409026691 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | XXX confirmed on appraisal |
| 409026691 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit income calculations are less than Lender's resulting in a higher DTI |
| 409026744 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit calculated net rental loss at a lower amount than Lender's resulting in a lower DTI. |
| 409026744 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | XXX is a XXX refi and supported by documentation. |
| 409026685 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | XXX is XXX per appraisal. Tape Data is capturing the XXX not the XXX. |
| 409026690 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Audit value is appraised value; tape data is XXX. |
| 409026690 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | DTI matches final XXX with rounding. |
| 409026738 | XXXXX |  | XXX | Interest Rate | notePage | XXX | XXX | Audit XXX is XXX% per note |
| 409026738 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | Audit subject property is a cash Out |
| 409026694 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Audit value is appraised value; tape data is XXX. |
| 409026694 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Audit value is the lowest middle score of both borrower's per credit report; lender used the highest mid-score. |
| 409026692 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | XXX updated per guidelines. |
| 409025152 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Total cash out of XXX per final HUD-XXX. |
| 409025152 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Audit value of XXX is appraised value. Tape data value of XXX is listing price. |
| 409025161 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audited DTI matches lender's final XXX and is within guidelines. |
| 409025184 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | XXX (XXX) verified with the appraisal. |
| 409026052 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI of XX/XX/XXXX closely matches XXX DTI of XXX%. Variance to XXX is due to Audit omitted an additional XXX deposit in XXX Statement resulting in slightly lower bank stmt calculation than the lender. |
| 409025725 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Appraised value if XXX and the XXX price is XXX |
| 409025725 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | All income could not be verified. XXX months of business bank Statements are missing • Fixed XXX% expense ratio - or- expense ratio by CPA/Third Party (min XXX%) • Borrower must own at least XXX% of the business • Co-mingling multiple accounts to satisfy XXX–XXX months is not permitted |
| 409027016 | XXXXX |  | XXX | Interest Rate | notePage | XXX | XXX | Validated XXX with final note. |
| 409027016 | XXXXX |  | XXX | Loan Amount | notePage | XXX | XXX | Validated XXX with final note. |
| 409027016 | XXXXX |  | XXX | Borrower 2 SSN | the1003Page | XXX | XXX | Validated BX SSN with final application. Tape data reflects BX information. |
| 409027016 | XXXXX |  | XXX | Borrower 3 SSN | the1003Page | XXX | XXX | Validated BX SSN with final application. Tape data reflects BX information. |
| 409027016 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | Validated LTV with documents provided. |
| 409027016 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | Validated CLTV with documents provided. |
| 409027016 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Subject is a PUD per appraisal, rider provided. |
| 409024391 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | True Data reflects the XXX of XXX according to the appraisal report. |
| 409026574 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | Per final XXX LTV was XXX% |
| 409026574 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | Per final XXX CLTV was XXX% |
| 409024017 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | The XXX price XXX was higher than the value and the value XXX was used to calculate the CLTV with XXX of XXX for XXCLTV |
| 409024017 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | The XXX price XXX was higher than the value and the value XXX was used to calculate the CLTV with XXX of XXX for XXCLTV |
| 409024017 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | The loan application show XXX for the retained XXX Cross Timber Drive property. The actual is Taxes XXX and insurance XXX for XXX and this is why the debt to income ratio is less than the XXX |
| 409023443 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | postConsummationCdDetailPage | XXX | XXX | Total cash out is XXX |
| 409023443 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | DTI on XXX is XXX% |
| 409025687 | XXXXX |  | XXX | Property Zip Code | notePage | XXX | XXX | Zip code per the Note and Mortgage in file reflects XXX |
| 409025687 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | XXX per the appraisal dated XX/XX/XXXX is XXX |
| 409025687 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | XXX / value XXX = XXX% CLTV. |
| 409025687 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | XXX / value XXX = XXXX% LTV. |
| 409025687 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Subject is an XXX Condo per appraisal in file. |
| 409026608 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | The lender's XXX includes additional debt not documented in the file. Possible additional REO not listed on the Final XXXX. |
| 409025085 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Audit value is the appraisal value. The tape value is the XXX. |
| 409025085 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | Audit LTV is a match to the lender's LTV on the XXX |
| 409025085 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | Audit CLTV is a match to the lender's CLTV on the XXX |
| 409025085 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | The Settlement Statement does not reflect any escrows were collected. |
| 409024802 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | The XXX discrepancy is due to a XXX variance between the loan tape XXX and the verified appraised value XXX from the Uniform Residential Appraisal Report dated XX/XX/XXXX, completed by XXX (XXX). The verified appraised value of XXX was utilized in the review and reflects the market-supported value conclusion. No impact to eligibility or LTV noted. |
| 409024839 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI of XXX% matches lender calculation |
| 409026254 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Slight DTI variance from XXX DTI of XXX% due to HOI premium difference. UTD origin of Tape DTI. |
| 409028985 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Property XXX confirmed using appraisal report. |
| 409028981 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | The income and debts are calculated and equal XXX% XX/XX/XXXX |
| 409025164 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | XXX per appraisal in file is XXX |
| 409025164 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | postConsummationCdDetailPage | XXX | XXX | Cash out is XXX which includes cash in hand + payoff of debts. |
| 409025164 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | Qualifying CLTV is XXX%, XXX / value XXX = XXX%. |
| 409025164 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | Qualifying LTV is XXX%, XXX / value XXX = XXX%. |
| 409025164 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Qualifying DTI is XXX due to net rental loss on the subject of XXX lender used - XXX. |
| 409025171 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Property is S-XXX/End unit. Per Deal guide enter as XXX. |
| 409026241 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | The appraisal confirms the subject XXX vs the XXX. |
| 409026241 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | The audit DTI matches XXX Variance due to rounding. |
| 409024834 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | finalCdDetailPage | XXX | XXX | Audit cash out value of XXX captured from the final CD. |
| 409025158 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Audit cash out value captured from the final HUD. |
| 409025732 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | XXX per appraisal in file dated XX/XX/XXXX is XXX |
| 409025732 | XXXXX |  | XXX | Sales Price | propertyValuationPage | XXX | XXX | XXX per Contract Addendum in file is XXX |
| 409026573 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | DTI variance due to accurate rental losses. |
| 409026613 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Per settlement Statement, cash to borrower was XXX |
| 409025711 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Settlement Statement confirms XXX. |
| 409025721 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Total cash out of XXX per final CD. |
| 409018831 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Cash out after closing costs and prepaids is verified as XXX confirmed using Final CD. |
| 409026199 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | Loan to value verified off the Appraisal Value in file as XXX% |
| 409026199 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | Loan to value verified off the Appraisal Value in file as XXX% |
| 409026199 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Subject payment Escrows |
| 409026372 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Per appraisal report, subject property is XXX. |
| 409026372 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Per final CD, an escrow account was established. |
| 409026719 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Difference is due to rounding. Lender's DTI on the XXX is XXX%. |
| 409026733 | XXXXX |  | XXX | Property Value | the1003Page | XXX | XXX | Appraised Value is XXX Price is XXX Using lesser of both for LTV |
| 409026722 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Validated XXX with credit report provided. |
| 409026706 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Confirmed that URAR value reflects $XXX; tape data is XXX |
| 409025771 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Used XXX of XXX which is lower than the Appraised value of XXX |
| 409025771 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Subject is a PUD per appraisal, rider provided. |
| 409024545 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI of XXX% matches lender calculation (Rounded) |
| 409024555 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Value for property verified off the Appraisal in file. |
| 409024555 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | Value CLTV verified off the Appraisal in file. |
| 409024555 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | Value LTV verified off the Appraisal in file. |
| 409024555 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | DTI calculated based on Income and Liabilities as verified off documentation in file. DTI is XXX% and Lender's XXX shows DTI as XXX%. |
| 409024555 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Subject is a PUD per appraisal, rider provided. |
| 409025716 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Lower Mid score between both borrowers is XXX |
| 409025716 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Subject is a XXX PUD, Townhouse per appraisal. |
| 409024641 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | XXX per Appraisal is XXX |
| 409024641 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Assets are Cash out from proceeds of the Loan Transaction |
| 409026723 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Validated XXX with appraisal provided. |
| 409026723 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Validated total debts with credit report and departing property mortgage Statement. |
| 409026723 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Validated XXX with final CD. Flood insurance is escrowed. |
| 409026734 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | XXX is XXX per appraisal. Tape data is using the XXX price here. |
| 409026736 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Appraised value is XXX per appraisal report, tape data is showing the XXX price. |
| 409026728 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | Limited Cash out |
| 409026735 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | XXX Price versus Appraised Value |
| 409026686 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Audit value is appraised value; tape data is XXX. |
| 409026686 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Validated debt ratio with documents provided. Reviewer used rental income on final application as it is the most conservative income approach which increases the negtive rental income than what was used by the lender. |
| 409026702 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | XXX; tape data is XXX. |
| 409026702 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Full PITI reflected in DTI as XXX transaction closed days before the subject transaction |
| 409026702 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Per Final CD, escrow is XXX. |
| 409026727 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Appraised value is XXX per the appraisal report. Tape data is showing the XXX price. |
| 409026720 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | The True Data was verified to be accurate with the appraisal. The Tape Data reflects the XXX price. |
| 409026726 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Appraised value of XXX verified in appraisal and CDA. Tape data reflects XXX price. Variance due to contract vs. appraised value; no impact to credit or collateral. |
| 409026465 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | The Note XXX $XXX/appraised value of XXX = LTV of XXX% which matches XXX |
| 409026465 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | The Note XXX $XXX/appraised value of XXX = CLTV of XXX% which matches XXX |
| 409026023 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Diligence Final Look & Final XXX matches reflecting total DTI XXX% |
| 409026323 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | HUD confirms borrower received XXX cash back, making transaction "XXX". |
| 409026503 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Total cash out of XXX per final CD. |
| 409029138 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Both the True Data and Tape Data are correct. The True Data reflects the value from the appraisal and the Tape Data reflects the value from the Desk Review. |
| 409024422 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Appraisal confirms the value of XXX |
| 409024422 | XXXXX |  | XXX | Sales Price | propertyValuationPage | XXX | XXX | FCD and XXX contract confirm XXX of XXX |
| 409024422 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Verified debts/income = XXX% DTI which matches XXX |
| 409025811 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI of XXX% Validated total debts with documents provided. Mortgage payments are higher than what lenders used as reviewer used documents provided for review. MISSING MORTGAGE Statement for departing property. |
| 409026653 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Validated total debts with documents provided. Missing final applications to validate. |
| 409026653 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | Validated doc type with bank Statements provided. |
| 409026708 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | DTI variance due to PITIA for primary varied. XXX calcs are XXX vs Lender's calcs of $XXX. Subject PITI varied. XXX calcs are XXX vs lender's calcs of $XXX. |
| 409028948 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Subject is a PUD per appraisal, rider provided. |
| 409024272 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | Value verified off Appraisal in file |
| 409024272 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | Value verified off Appraisal in file |
| 409024272 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | DTI matches XXX in file |
| 409027062 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | DTI matches XXX |
| 409029342 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Verified debts/income = XXX% DTI, slightly lower than XXX DTI of XXX% due to updated TD credit card balance paid off. |
| 409025124 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Validated XXX with appraisal provided. |
| 409025124 | XXXXX |  | XXX | ULI | the1003Page | XXX | XXX | Validated ULI with Final XXXX provided. |
| 409025124 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Validated total debts with documents provided. Lender has XXX additional in debts than what was documented in the file. |
| 409025607 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Per settlement Statement, cash to borrower was XXX |
| 409025607 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Per appraisal report, subject property is XXX. |
| 409025706 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Cash out to borrower is XXX per final closing disclosure. |
| 409026194 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Income & debts are aligned, except Audited calculation of other REO XXX is XXX per monthnth vs lender's XXX per monthnth. |
| 409026302 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Cash-put per final CD in file is $XXX. |
| 409026630 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Total cash out of XXX per final HUD-XXX. |
| 409026630 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Subject is a PUD per appraisal, rider provided. |
| 409025636 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | finalCdDetailPage | XXX | XXX | Validated cash out total to include second lien paid at closing. |
| 409025636 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Validated total ratio with documents provided. Lender has debt in the amount of XXX greater than what was documented provided in the file. |
| 409025636 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | Validated doc type with WVOE provided reflecting XXX plus months of verified income. |
| 409026604 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Cash- out which includes payoff of debt + cash in hand is $XXX. |
| 409025633 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Validated total debt with final XXX provided. Lender and reviewer DTI are the same. |
| 409025133 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Subject is XXX per the appraisal in file. |
| 409023921 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | postConsummationCdDetailPage | XXX | XXX | Total cash out of XXX per final CD |
| 409023921 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI of XXX% matches lender calculation |
| 409024646 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Cash out per the final CD is $XXX. |
| 409025112 | XXXXX |  | XXX | ULI | the1003Page | XXX | XXX | Per Final XXXX, ULI was XXX |
| 409025112 | XXXXX |  | XXX | Number of Units | propertyValuationPage | XXX | XXX | Per appraisal report, subject property is a XXX unit. |
| 409025112 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Per appraisal report, subject XXX was XXX |
| 409025446 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Subject is a PUD per appraisal, rider provided. |
| 409025352 | XXXXX |  | XXX | Property Zip Code | notePage | XXX | XXX | Executed Note, Mortgage |
| 409025352 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Per Appraisal |
| 409025352 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Subject is a PUD per appraisal, rider provided. |
| 409026280 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI is XXX% and lender DTI is XXX%. Tape data DTI is XXX. |
| 409026400 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | finalCdDetailPage | XXX | XXX | XXX includes cash to borrower, P/O of IRS liens, and P/O of HELOC which was not a XXX money Xnd. |
| 409026400 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audited debts/verified income = XXX% DTI which matches XXX |
| 409023928 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | XXX per appraisal and dek review is XXX |
| 409023928 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Cash out per PCCD in file is $XXX. |
| 409026049 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Audit value is the appraised value captured from the appraisal vs the tape data is the XXX price. |
| 409025773 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Value XXX confirmed on appraisal |
| 409025410 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Verified debts/income confirms DTI of XXX% including unlisted REO verified in file. |
| 409025410 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | The XXX months bank Statements used to qualify are in the name of BX's business. |
| 409026360 | XXXXX |  | XXX | ULI | the1003Page | XXX | XXX | The True Data was verified to be accurate with the Final XXXX. |
| 409026360 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | finalCdDetailPage | XXX | XXX | The True Data was verified to be accurate with the final CD. |
| 409026360 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | The Tape Data is not including the correct monthly figure for property taxes. This can be seen on the XXX but it is correct on the Final XXXX. |
| 409026360 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | The True Data was verified to be accurate with the XXX lender's income worksheet and bank Statements provided. |
| 409026192 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | The True Data was confirmed to be accurate with the appraisal and desk review. |
| 409026192 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | The True Data was confirmed to be accurate with the final CD. It appears that the Tape Data figure was based on a preliminary CD. |
| 409026192 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | The True Data was confirmed to be accurate with the XXX and manual calculations. |
| 409026192 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | The True Data was confirmed to be accurate with the XXX and manual calculations. |
| 409022281 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | finalCdDetailPage | XXX | XXX | Validated cash out with final CD. |
| 409022281 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Subject is a PUD per appraisal, rider provided. |
| 409024221 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | finalCdDetailPage | XXX | XXX | Audit confirmed Cash Out Including Debt Paid at Close to be XXX per Final CD, not $XXX. |
| 409024221 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit confirmed Qualifying Debt Ratio to be XXX% not XXX%. This is due to the Gap Report provided (XX/XX/XXXX) which shows a variance in some liabilities with XXX per month in payments vs the liabilities listed on the Final XXX of XXX per month. Audit uses the worst case payments for calculating DTI. |
| 409025789 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Audit value is the cash back to the borrower at close vs including the mortgage payoff as the tape. |
| 409026205 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Cash out is XXX per closing disclosure. |
| 409026472 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit monthly HOI obligation is XXX lower than lender's calculation that is being used in the PITI, on the XXX resulting in a lower Audit DTI of XXX% than lender's DTI of XXX%. |
| 409026498 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | Audit LTV matches lender's final XXX |
| 409026498 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | Audit LTV matches lender's final XXX |
| 409026498 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI of XXX matches the lender's final XXX |
| 409026498 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | Verified by the final CD. |
| 409026599 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Audit cash out value captured from the final CD. |
| 409026903 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | finalCdDetailPage | XXX | XXX | Final CD shows XXX mortgage payoff and XXX cash to Borrower |
| 409026903 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Final CD shows taxes and homeowner's insurance in escrow. |
| 409023446 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | postConsummationCdDetailPage | XXX | XXX | Verified by the CD |
| 409023446 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Verified by the income and debt |
| 409024286 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit of XXX vs lender's final XXX of XXX%. Tape data value is XXX. |
| 409024286 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Subject is a PUD per appraisal, rider provided. |
| 409025699 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | postConsummationCdDetailPage | XXX | XXX | Audit cash out value includes XXX cash to the borrower and Xnd lien payoff of $XXX. |
| 409025699 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI variance is due to the final application reflected REO at XXX did not apply. No evidence found in the file to omit this debt. Mortgage Statement with escrows included found in the loan file and included in DTI resulting in a DTI variance. |
| 409025922 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | The True Data was verified to be accurate with the final CD. |
| 409025581 | XXXXX |  | XXX | Prepayment Penalty Total Term | notePage | XXX | XXX | Prepayment term is XXX months. |
| 409025581 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | Qualifying CLTV is XXX%, XXX / value XXX = XXX% |
| 409025581 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | Qualifying LTV is XXX%, XXX / value XXX = XXX% |
| 409025581 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | There are no escrows per the final CD in file. |
| 409026114 | XXXXX |  | XXX | Prepayment Penalty Total Term | notePage | XXX | XXX | Prepayment penalty term is XXX months per the Prepayment Fee Rider. |
| 409026363 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | XXX per appraisal in file is XXX |
| 409026363 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Cash in hand per CD in file is XXX. |
| 409026363 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | XXX / value XXX = XXXX% LTV |
| 409026363 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | XXX / value XXX = XXX% CLTV |
| 409026562 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | Validated CLTV with appraisal provided. |
| 409026562 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | Validated LTV with appraisal provided. |
| 409029000 | XXXXX |  | XXX | ULI | the1003Page | XXX | XXX | The True Data was verified to be accurate with the Final XXXX. The Tape Data replaced a O with a XXX |
| 409030529 | XXXXX |  | XXX | Loan Purpose | the1003Page | XXX | XXX | Audit confirmed transaction to be a XXX not a XXX per title, CD, XXX, XX/XX/XXXX. |
| 409030529 | XXXXX |  | XXX | Occupancy | the1003Page | XXX | XXX | Audit confirmed XXX is a Xnd home per Rider XXX to Mortgage and ID. |
| 409030529 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit confirmed Qualifying DTI to be XXX% not XXX%. Income amt matches lenders. Lenders XXX shows sub PITI XXX + All Other Mthly Pmts of XXX = XXX which equates to XXX%. Lenders Final (signed) XXX has XXX (liabs) + XXX (XXX mtgs for primary) + XXX (primary HOA, not doc'd) + XXX (XXXnd secondary res) + XXX (sub) = XXX/mth which would be XXX% DTI. |
| 409026427 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI of XXX% slightly lower than lender DTI of XXX% due to rate used for qualifying, Lender used XXX% vs XXX%. |
| 409026427 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | XXX month bank Statement program |
| 409026512 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Per settlement Statement, cash to borrower was XXX |
| 409026512 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | Per final XXX LTV was XXX% |
| 409026512 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | Per final XXX CLTV was XXX% |
| 409025317 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Cash out per final CD dated XX/XX/XXXX is $XXX. |
| 409026918 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Verified by the income and debt |
| 409026918 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | Verified by the approval |
| 409026618 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Property is a standalone XXX structure per the appraisal report. |
| 409025621 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audited DTI is XXX% due to the Net rental income totaling XXX lender used $XXX. |
| 409025621 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | No Escrows per CD in file. |
| 409025634 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Mid score per Credit report dated XX/XX/XXXX is XXX |
| 409025634 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | postConsummationCdDetailPage | XXX | XXX | Cash out which includes the cash in hand + payoff of debt= $XXX. |
| 409025634 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | Transaction is Full Documentation |
| 409025913 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI of XXX% matches lender calculation (Rounded) |
| 409026495 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit REO Liabilities is XXX more than lender's total calculation as current home obligation is missing from the DTI on the XXX |
| 409026596 | XXXXX |  | XXX | Interest Rate | notePage | XXX | XXX | XXX per teh executed NOte in file is XXX%. |
| 409026596 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | postConsummationCdDetailPage | XXX | XXX | Cashout per CD in file reflects $XXX. |
| 409026596 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audited DTI of XXX% matches the XXX in file. |
| 409026988 | XXXXX |  | XXX | Borrower 1 SSN | the1003Page | XXX | XXX | BX SSN per credit is XXX |
| 409026988 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Cash out per HUD XXX in file reflects $XXX. |
| 409030918 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI is XXX% and the DTI on the XXX is XXX% |
| 409029190 | XXXXX |  | XXX | Number of Units | propertyValuationPage | XXX | XXX | Appraisal confirms subject is a XXX unit |
| 409029190 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | postConsummationCdDetailPage | XXX | XXX | Final CD confirms non mortgage payoffs of XXX |
| 409029190 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit Total Liabilities is XXX less than lender's total obligations resulting in a lower DTI |
| 409029190 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Final CD confirms taxes and insurance escrowed |
| 409030504 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Lender provided two appraisals. |
| 409030504 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | DTI matches XXX - XXX% |
| 409030504 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Audit verified the property is a PUD on security instrument. |
| 409027052 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | XXX per Appraisal. |
| 409026508 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | Validated LTV with appraised value provided. Desk review came in lower than appraised value, difference is less than XXX% therefore appraised value used to calculate LTV. |
| 409026508 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | Validated LTV with appraised value provided. Desk review came in lower than appraised value, difference is less than XXX% therefore appraised value used to calculate LTV. |
| 409026508 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Validated total debt with documents provided. Reviewer and lenders DTI matched. |
| 409026508 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | Validated loan type with documents provided. Borrowe received XXX cash back at closing. |
| 409025136 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Audit value captured from the appraisal vs Tape Data is the XXX price. |
| 409026196 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Audit verified the value from the appraisal |
| 409026196 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit verified the income and debts to match the lender. DTI matches |
| 409026216 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | Appraised Value is XXX LTV is XXX |
| 409026216 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | Appraised Value is XXX LTV is XXX |
| 409026216 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | XXX is a limited cash out < XXX% per final Closing Disclosure. |
| 409029123 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Appraisal supports condo complex is made up of single, free-standing units. |
| 409026611 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | XXX taken from XXX and final CD due to appraisal missing. |
| 409026611 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Total cash out of XXX per final CD. |
| 409026611 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | Audit LTV of XXX% matches XXX LTV of XXX% |
| 409026611 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | Audit CLTV of XXX% matches XXX CLTV of XXX% |
| 409026914 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | Validated XXX with documents in the file. Final approval reflects subject loan is an asset depletion with no income Stated or required. |
| 409026914 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Subject is a PUD per appraisal, rider provided. |
| 409027067 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Audit cash out of XXX captured from the final HUD. |
| 409029334 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | XXX per appraisal in file is XXX |
| 409018830 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | FCD confirms XXX, no payoffs. |
| 409025421 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Audit verified value from the appraisal. Matches lender |
| 409025421 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit verified the DTI from the income and debts. Matches lender |
| 409025969 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | File contained a P&L Statement that covered all of XXX and only XXX months for XXX |
| 409026222 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Audit value captured from the appraisal vs tape value is the XXX price |
| 409026222 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI value of XXX% matches XXX DTI of XXX%. |
| 409026222 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Subject is a PUD per appraisal, rider provided. |
| 409026374 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit total obligations are XXX higher that Lender's total XXX obligations resulting in an increase in DTI from XX/XX/XXXX to XXX. Audit calculation support DTI |
| 409026632 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | The Final CD confirms XXX of $XXX. |
| 409026986 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Validated XXX with credit report. |
| 409026986 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Validated escrow flad with final CD. |
| 409028840 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Per credit report and final XXX qualifying credit score was XXX |
| 409028840 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Per final CD, cash to borrower was XXX |
| 409029212 | XXXXX |  | XXX | Sales Price | propertyValuationPage | XXX | XXX | Audit value captured from the XXX contract and final CD vs. tape value is appraised value. |
| 409029212 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | Audit LTV matches XXX LTV of XX.XXX%. |
| 409029212 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | Audit CLTV matches XXX CLTV of XX.XXX%. |
| 409029212 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI of XXX% matches XXX DTI. |
| 409018825 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Cash out is XXX per final CD. |
| 409018835 | XXXXX |  | XXX | Prepayment Penalty Total Term | notePage | XXX | XXX | per Prepayment Addendum |
| 409018835 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | per Final CD. |
| 409026236 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | XXX per appraisal in file is XXX. |
| 409026236 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | XXX / value XXX = XXXC LTV |
| 409026236 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | XXX / value XXX = XXXX% LTV |
| 409026236 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audited DTI is XXX% which matches the XXX in file. |
| 409026917 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | finalCdDetailPage | XXX | XXX | Validated cash out with final CD. |
| 409026917 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Validated total debts with documents provided. |
| 409027048 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Final CD confirms XXX of $XXX. |
| 409027048 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Final CD confirms escrows in place for taxes and insurance. |
| 409028979 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | True Data reflects the initial appraisal report value; a CDC report is missing which would support the Tape Data of XXX |
| 409028979 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | True Data reflects the funds received from this cash out transaction. |
| 409028998 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI of XXX% lower due OREO monthly payments are less. |
| 409028832 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Per FCD, Borrower is receiving XXX cash back. |
| 409028832 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | Per FCD, Borrower is receiving XXX cash back. |
| 409028827 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | The appraisal confirms the value of XXX vs XXX of XXX |
| 409025432 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Per final CD, cash to borrower was XXX |
| 409025705 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | Limited cash out as cash to borrower was XXX |
| 409025907 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Validated subject property is s XXX duplex with the appraisal provided. |
| 409025908 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Cash out per the HUD XXX in file reflects $XXX. |
| 409025908 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Subject is an XXX SFR per the appraisal in file. |
| 409026111 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Confirmed cash out True Data of XXX as per the Final CD |
| 409026111 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI of XXX% is higher than Lender DTI of XXX% due to the total rental income losses as reflected on the rental income WS as per the mortgage Statements provided in file. |
| 409030461 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Per settlement Statement, cash to borrower was XXX |
| 409026387 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Verified to appraised value vs. XXX price. |
| 409026387 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Subject is a PUD per appraisal, rider provided. |
| 409026441 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | finalCdDetailPage | XXX | XXX | Audit verified the XXX from the CD |
| 409026441 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit verified the DTI. XXX is missing so it is unclear if it matches the lender. |
| 409026347 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | XXX price is less than the appraised value. Using PP as value. |
| 409030444 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI of XXX% matches the Lender's final XXX |
| 409026581 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | True Data reflects the property attachment according to the appraisal report. |
| 409026581 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Subject is a PUD per appraisal, rider provided. |
| 409026581 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | True Data reflects the XXX according to the appraisal report. |
| 409026542 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Subject is a PUD per appraisal, rider provided. |
| 409026588 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | True Data reflects the XXX according to the appraisal report. |
| 409026588 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI of XXX% lower than lender DTI of XXX% True Data reflects the debt to income using the homeowner's insurance, wind/hail insurance, and flood insurance; originating lender included the homeowner's twice when qualifying BX/BX. |
| 409026588 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | True Data reflects XXX for escrows due to flood insurance was only collected. |
| 409026657 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI of XXX% matches the lender's DTI of XXX% on the XXX form. |
| 409029207 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Cash out per the final CD is $XXX. |
| 409029207 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Subject property is XXX per the appraisal in file. |
| 409026010 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Verified appraisal value is XXX Actual value for LTV is XXX of XXX |
| 409026010 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Verified DTI is XXX% based on income and debts in file. Lender's DTI on XXX is XXX%. Tape data value is XXX. |
| 409026248 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Per credit report, qualifying credit score was XXX |
| 409026248 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Per settlement Statement cash to borrower was XXX |
| 409024795 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI of XXX% matches lender calculation |
| 409029174 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI matches DTI on Lender's XXX |
| 409026497 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Appraisal value is XXX and XXX is XXX |
| 409026497 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | XXX is an XXX PUD verified by appraisal. |
| 409026497 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Subject is a PUD per appraisal, rider provided. |
| 409026219 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | CLTV is correct and matches Lender final XXX%. Tape data value is XXX. |
| 409026219 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | LTV is correct and matches Lender final XXX%. Tape data value is XXX. |
| 409026219 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Qualifying DTI matches Lender final XXX Audit DTI is XXX% and the XXX has XXX%. Tape value data is XXX. |
| 409026320 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Audit value captured from the appraisal vs. Tape Data is the XXX price. |
| 409025422 | XXXXX |  | XXX | Occupancy | the1003Page | XXX | XXX | Final XXXX shows XXX |
| 409025422 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | finalCdDetailPage | XXX | XXX | Final CD cash to borrowers, no debts to be paid at closing. |
| 409025422 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI of XXX% matches the lender calculation |
| 409026033 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | LTV based on XXX $XX/XX/XXXX Appraised value $XXXK would make LTV lower. Tape data value is XXX. |
| 409026033 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | CLTV based on XXX $XX/XX/XXXX Appraised value $XXXK would make CLTV lower. Tape data value is XXX. |
| 409026033 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | DTI variance due to departing residence new PITI payment = XXX per month (increased due to increase in escrows) vs FXXXX/XXX and credit report payment of XXX per month. |
| 409026033 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | Unable to change XXX to business Statements. |
| 409026417 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Verified Audit DTI is XXX%. Lender's XXX has DTI of XXX%. Audit founds XXX deposits that indicate transfer, the same transfers lender excluded all other months, but did not exclude on their income worksheet. Audit excluded these transfers and the qualifying income calculation was XXX per month instead of $XXX. Tape value data is XXX. |
| 409026417 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | Verified XXX indicates Limited Cash-Our XXX (Fannie). |
| 409026489 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI XXX% matches the lender's final XXX Tape data value is XXX. |
| 409026489 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | The FCD reflects cash to borrower of $XXX. |
| 409026902 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Cash out per final CD in file is $ XXX. |
| 409029252 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI of XXX% lower than lender DTII due to income is XXX lower than lender's calculation and Audit subject net rental loss is XXX more than Lender's qualifying income resulting in a higher DTI. |
| 409030558 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Per appraisal report, subject XXX was XXX |
| 409030558 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Per credit report and final XXX qualifying credit score was XXX |
| 409030558 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Per settlement Statement, cash to borrower was XXX |
| 409030558 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Per appraisal report, subject property is XXX. |
| 409030247 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI of XXX% is due to using a lower income for XXX of XXX as guidelines require the lowest expense factor to be used as XXX% Lender used XXX% due to CPA letter. Audit recalculated income based on XXX% factor. Lender used XXX P&I payment for qualifying. Guidelines require the qualifying rate for a XXX year IO loan to be the note rate amortized over XXX years. This is a XXX P&I payment. Audit used the XXX P&I payment for qualifying per guidelines. This resulted in a DTI of XXX%. The max DTI is XXX% per the Exception Approval in the file. Tape data DTI of XXX% is the DTI listed on the Exception Approval in file. Lender's DTI on the XXX was XXX%. |
| 409031546 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Discrepancy confirmed per XXX other monthly income used to qualify is more than the other monthly income used to qualify per credit liabilities |
| 409025779 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Verified subject is an XXX condo per the appraisal. |
| 409025779 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI of XXX matches Lender's XXX DTI of XXX%. Tape value data is uknown. |
| 409021285 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audited DTI matches the AUS DTI XXX (the XXX has XXX) |
| 409026288 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | The Appraisal dated XXX valued the subject property at XXX |
| 409026288 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | $XXX/$XXX CLTV - verified to documentation in file. |
| 409026288 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | $XXX/$XXX LTV - verified to documentation in file. |
| 409026288 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | The cash to the borrower at settlement =$XXX per the final CD dated XXX. |
| 409026584 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Difference in Qualifying DTI reflects duplicate liability (joint) with XXX |
| 409025125 | XXXXX |  | XXX | Property Value | the1003Page | XXX | XXX | Confirmed the XXX of XXX as per the full appraisal provided |
| 409025125 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | Confirmed the LTV of XXX% as per the full appraised XXX |
| 409025125 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | Confirmed the CLTV of XXX% as per the full appraised XXX |
| 409025651 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | bank Statement used for qualification are from a trust account. |
| 409025757 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Per final CD, cash to borrower was XXX |
| 409026414 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | The True Data was verified to be accurate with the signed CD's in the file. |
| 409028950 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI is XXX% which matched Lender's XXX DTI at XXX%. Tape value data is XXX. |
| 409029271 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Verified audit DTI is XXX%. Lender's XXX had DTI as XXX%. Tape data value is XXX. |
| 409030462 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Cash out is XXX per final closing disclosure. |
| 409026436 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | XXX includes non-XXX money second mortgage |
| 409026929 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | XXX per the appraisal in file is XXX |
| 409028994 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | finalCdDetailPage | XXX | XXX | Verified from Final CD. |
| 409028994 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Verified from XXX mos business bank Statements against applicable PITIA docs and CBR liabilities. |
| 409029082 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Subject is XXX per Appraisal in file. |
| 409030539 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | confirmed with final CD page XXX |
| 409030570 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | DTI is XXX audit has rounded up and lender has rounded down |
| 409030884 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | finalCdDetailPage | XXX | XXX | verified per the final closing disclosure detail |
| 409030884 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | verified qualifying DTI is XXX% matched lenders XXX |
| 409031542 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI XXX% matches the lender's final XXX Tape data value is XXX. |
| 409031822 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI of XXX% and Lender DTI of XXX% difference is a possible rounding issue |
| 409031658 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Confirmed audit DTI of XXX%. Final XXX and Final XXXX debts do not match. It is unclear how initial underwriter calcualted the DTI of XXX%. |
| 409031658 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | Confirmed the loan is a XXX. The initial underwriter's XXX also reflects loan as a XXX. |
| 409031596 | XXXXX |  | XXX | Loan Amount | notePage | XXX | XXX | The XXX on the note is XXX |
| 409031596 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | The DTI on the XXX is XXX% |
| 409031596 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | According tot the final CD, only the insurance is escrowed |
| 409026029 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Verified audit DTI is XXX% and Lender's XXX DTI is XXX% and the difference is due to rounding. |
| 409026110 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Cash out per final CD is $ XXX. |
| 409026995 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | confirmed via appraisal page XXX |
| 409026995 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | XXX% per GL |
| 409026995 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | XXX% per GL |
| 409029110 | XXXXX |  | XXX | Number of Units | propertyValuationPage | XXX | XXX | Subject is a XXX unit dwelling per appraisal in file. |
| 409029110 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Cash in hand per final HUD XXX is $XXX. |
| 409030568 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Audit value is the appraisal value. The tape value is the XXX. |
| 409030568 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | Borrower mid-score is XXX per the credit report dated XX/XX/XXXX |
| 409030576 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Verified the cash out at XXX as per the Final CD. Tape data value is XXX. |
| 409030576 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Verified escrows as yes per the Final CD. |
| 409031032 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Confirmed XXX as per Settlement Statement in file. |
| 409031223 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Validated total debts with documents provided. Lenders XXX DTI figure is XXX%. |
| 409025300 | XXXXX |  | XXX | Number of Units | propertyValuationPage | XXX | XXX | Property is XXX units per appraisal. |
| 409025300 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Property is XXX units per appraisal. |
| 409026462 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | XXX price is less than appraised value. Using XXX price as value. |
| 409026462 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | DTI matches AUS in file. Lender's approval in file reflects XXX. Missing XXX or approval reflecting DTI as per tape. |
| 409026462 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Confirmed the XXX as yes as per the final CD |
| 409027053 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Per appraisal report, subject property is XXX. |
| 409027053 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Subject is a PUD per appraisal, rider provided. |
| 409025909 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Audit value is the appraisal value. The tape value is the XXX. |
| 409026985 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | The appraised value is XXX and the Qualifying value/XXX is XXX |
| 409029026 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Subject is a PUD per appraisal, rider provided. |
| 409031281 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | The income used at audit in the amount of XXX results in a DTI of XXX%. Income at audit decreased due to using the allowable deposits from the XXX month bank Statements provided. |
| 409030992 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Loan includes escrows per Closing Disclosure. |
| 409016419 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | finalCdDetailPage | XXX | XXX | Confirmed the XXX of XXX to include XXX and XXX payoff of XXX as per the Final CD |
| 409016419 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Confirmed the property as XXX as per the full XXX appraisal |
| 409016419 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI of XXX% is slightly more than Lender DTI of XXX% by XXX due to total monthly payment. |
| 409016419 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Confirmed the subject property as a PUD as per the PUD Rider |
| 409025786 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Qualifying DTI reflects final figure of XXX which matches Lender's final XXX DTI of XXX%. Tape data value is XXX. |
| 409025786 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | Assets/Bank Statements provided reflect XXX months of bank Statements. Income calculator worksheet provided by lender reflects XXX months. The most recent Statements only cover XXX months, as borrower changed accounts in January XXX so used full XXX months as provided in file. |
| 409031087 | XXXXX |  | XXX | Interest Rate | notePage | XXX | XXX | confirmed with note page XXX Rate is XXX% |
| 409031087 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | XXX% matched XXX page XXX% is rounded |
| 409031087 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | confirmed with final CD page XXX HOI is XXXly in escrow and tases are not in escrow |
| 409031087 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | CPA P&L Statement is XXX months. confirmed page XXX |
| 409026934 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Per final CD, total cash out was XXX |
| 409027046 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | finalCdDetailPage | XXX | XXX | CD supported cash out of XXX |
| 409027046 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | DTI of XX/XX/XXXX matches the XXX |
| 409028962 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Confirmed the Audit DTI is XXX% and Lender XXX DTI is XXX% and the discrepancy is due to rounding. Lender's Final XXX has total of all monthly payments as XXX per month and audit has XXX and this is due to the rental property payment being XXX vs Lender used XXX |
| 409029016 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Cash out is XXX per final closing disclosure. |
| 409029244 | XXXXX |  | XXX | Loan Amount | notePage | XXX | XXX | Note confirms XXX of XXX Tape has an extra zero. |
| 409029244 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | Tape and audit data match, cross-referenced with XXX p XXX |
| 409029244 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | Audit LTV XX% matches lender's final XXX Tape data value is XXX. Even using previous PP of $XXXK. LTV is XXX%, not XXX%. |
| 409029244 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI XXX% matches the lender's final XXX Tape data value is XXX. |
| 409029244 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | XXX is < XXX due to lender credit netted off cash to borrower of $XXX-$XXX = $XXX. |
| 409030242 | XXXXX |  | XXX | ULI | the1003Page | XXX | XXX | ULI matches Final XXXX |
| 409030648 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Confirmed the audit DTI of XXX%. The approval and XXX in the loan file reflect the DTI of XXX%. |
| 409029030 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | DSCR loan. |
| 409030443 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Lender used negative net rental of XXX as positive income for existing XXX property |
| 409026109 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Audited data supports cash back to borrower XXX as per the final CD |
| 409026331 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Value per appraisal in file is XXX |
| 409026331 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Cash out per the Final HUD XXX in file is $XXX. |
| 409026331 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | XXX $XXX/ value XXX = XXXX% LTV |
| 409026331 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | XXX $XXX/ value XXX = XXX% CLTV |
| 409030468 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | Audit LTV of XXX% is a match to the lender's LTV on the XXX |
| 409030468 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | Audit CLTV of XXX% is a match to the lender's CLTV on the XXX |
| 409030475 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | XXX price is less than appraised value. Using PP as value. |
| 409030475 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Escrowed, and XXXly escrowed on "Other" per Final CD |
| 409030607 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | FCD confirms XXX is $XXX. Xnd mortgage was XXX money opened XXX. |
| 409032237 | XXXXX |  | XXX | Number of Units | propertyValuationPage | XXX | XXX | appraisal supported a XXX unit |
| 409032237 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | DTI matches the XXX |
| 409026024 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Based on audit, true data is accurate, |
| 409030592 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | Per XXX Lender based value on original cost basis vs current appraised value creating difference. |
| 409030592 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | Per XXX Lender based value on original cost basis vs current appraised value creating difference. |
| 409030592 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | FCD confirms XXX. |
| 409031022 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Confirmed the XXX of XXX as per the full appraised XXX |
| 409031022 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | Confirmed the LTV of XXX% and XXX% as a possible rounding issue |
| 409031022 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | Confirmed the CLTV of XXX% and XXX% as a possible rounding issue |
| 409031022 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Confirmed the DTI of XXX% and XXX% as a possible rounding issue |
| 409031055 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | The lender's DTI is XXX% on the XXX Audit used the higher TIA payment listed on the final loan application for the primary home. Audit also used a lower deposit amount for the October XXX bank Statement for the income calculation. |
| 409031066 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | finalCdDetailPage | XXX | XXX | confirmed via Final CD page XXX |
| 409031066 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | True data matches the UW data found on the Final XXX Page XXX |
| 409031066 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | True data matches the UW data found on the Final XXX Page XXX |
| 409031066 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | True data matches the UW data found on the Final XXX Page XXX |
| 409027036 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Per final CD cash to borrower is $XXX. Tape value data is XXX. |
| 409027036 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Verified property is XXX per appraisal. Tape value data is XXX. |
| 409026446 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Cashout per final HUD XXX is $XXX. |
| 409026423 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | XXX per the appraisal in file is XXX is XXX |
| 409028997 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Appraised value is XXX |
| 409028997 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI of XXX% matches lender calculation |
| 409031155 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | Confirmed the CLTV of XX% as per the property appraised value |
| 409031155 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | Confirmed the LTV of XX% as per the property appraised value |
| 409031155 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI of XXX% is less than XXX% as it matches the Lender's XXX with XXX% DTI |
| 409029303 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Value per the appraisal in file is XXX |
| 409026291 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | DTI of XXX matches XXX/Lender approval in file. |
| 409029307 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | finalCdDetailPage | XXX | XXX | confirmed with final CD page XXX is including the case to bwr and the payoffs combined. |
| 409029307 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | DTI per the XXX is XXX%. Calculated and rounded to XXX% is accurate. |
| 409031681 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | Total cash out of XXX per settlement Statement. |
| 409031046 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Cash out is XXX per settlement Statement. |
| 409031492 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Appraisal in file confirms value of $XXXK. No additional valuation provided. |
| 409031492 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | postConsummationCdDetailPage | XXX | XXX | FCD confirms XXX of $XXX. |
| 409031492 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | Audit CLTV XXX% matches the lender's final XXX Tape data value is XXX. |
| 409031492 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | Audit LTV XXX% matches the lender's final XXX Tape data value is XXX. |
| 409031492 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI XXX% matches the lender's final XXX Tape data value is XXX. |
| 409026268 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI XXX% matches the lender's final XXX rounded up from XXX%. |
| 409026268 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | FCD confirms XXX; borrower receiving XXX at close. |
| 409026268 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | XXX mo bank Statement income confirmed by income calculation and only XXX months in file. |
| 409026444 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Validated total debts with documents provided. Reviewers DTI matches lenders DTI. |
| 409026444 | XXXXX |  | XXX | Refinance Purpose | rwtGet1Page | XXX | XXX | Validated XXX with documents provided. |
| 409029104 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Subject is a PUD per appraisal, rider provided. |
| 409030903 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Property is XXX per the appraisal report. |
| 409030903 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Slight DTI discrepancy due to audit UW using a more conservative rental loss figure of XXX per monthnth for REO property XXX, also audit UW used slightly lower monthly income from bank Statements: some extra deposits were excluded that the lender did not exclude. Audited bank Statement income is XXX per monthnth. |
| 409031173 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | The XXX shows a higher DTI of XXX%. Audit used a slightly higher payment for consumer debt. |
| 409031285 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit income calc of XXX is slightly less than Lender's calculation due to additional excluded deposits included by Auditor. |
| 409032233 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit confirmed Qualifying DTI to be XXX% not XXX%. On Lenders Final XXX shows XXX liabs were factored in ratios yet both show XXX bal/pmt on XXX (XXX\*\*XXX bal XXX & pmt XXX/mth; XXX\*\*XXX bal XXX & pmt XXX/mth). Lender used XXX/mth for primary housing expense (Audit shows XXX/mth). Lender used XXX for XXX rental income and audit used XXX% of confirmed deposits of XXX per month or XXX of rental income. |
| 409026095 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | Validated CLTV with documents provided. CLTV calculated using the appraised value instead of the XXX price. Loan is a XXX of a XXX to perm with a XXX of XXX with sales contract dated XX/XX/XXXX. CTV using PP is XXX% |
| 409026095 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | Validated LTV with documents provided. LTV calculated using the appraised value instead of the XXX price. Loan is a XXX of a XXX to perm with a XXX of XXX with sales contract dated XX/XX/XXXX. LTV using PP is XXX% |
| 409030266 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Verified DTI - PITIA XXX + Other liabilities XXX / XXX = XXX% as verified. Lender's XXX has the incorrect XXX and the DTI is not accurate. Tape data value is XXX. |
| 409031598 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Validated total debts with documents provided. BWR only has mortgage payment for debt, lenders XXX does not reflect an IO payment but a fully amortized payment. Lenders XXX also has additional debt in the amount of XXX that was not documented in the file. Reviewer did not include this other debt. |
| 409030512 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Final CD reflects Escrows |
| 409030527 | XXXXX |  | XXX | Property Zip Code | notePage | XXX | XXX | Zip code is XXX per Note and appraisal. |
| 409030527 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Cash out is XXX per final closing disclosure. |
| 409030527 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Subject is a PUD per appraisal, rider provided. |
| 409030534 | XXXXX |  | XXX | Property Zip Code | notePage | XXX | XXX | Zip code verified as XXX from Note. |
| 409030534 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Cash out of XXX per final closing disclosure. |
| 409030534 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Subject is a PUD per appraisal, rider provided. |
| 409031531 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Cash out per final CD in file reflects $XXX. |
| 409031611 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Cash out to borrower is XXX per settlement Statement. |
| 409028847 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | The final CD reflects the borrower received XXX cash back at closing. |
| 409028847 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | The final CD shows the taxes and insurance were collected at closing. |
| 409028971 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Appraised value XXX |
| 409028971 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Cash out of XXX per final CD |
| 409028971 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | XXX / value XXX = XXXX% LTV |
| 409028971 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Appraisal reflect XXX |
| 409028971 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | XXX / value XXX = XXX% CLTV |
| 409026413 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | The lender's DTI on the XXX is XXX%. Audit used a slightly lower payment for the XXX property. |
| 409026445 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Validated cash out with settlement Statement. |
| 409026445 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Validated subject does not contain escrows with settlement Statement. |
| 409026449 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Final Settlement Statement confirms XXX of $XXX. |
| 409026449 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | Final Settlement Statement confirms no escrows established. |
| 409032959 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Verified audit DTI is XXX% as audit PITI on subject is XXX but lender's XXX had net rental loss on subject as XXX and a DTI of XXX%. |
| 409032959 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | finalCdDetailPage | XXX | XXX | Confirmed the XXX of XXX as per the Final CD. Tape data value is XXX. |
| 409031633 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | postConsummationCdDetailPage | XXX | XXX | Per final CD, total cash out was XXX |
| 409031633 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Per final XXX DTI was XXX. Difference is due to total all other monthly payments. Client did not use updated monthly payments for XXX and XXX instead the monthly amounts on the initial credit XXX and XXX were used. |
| 409027025 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | Appraised valued and Desktop Analysis both confirm value of XXX and matches XXX Tape data value is XXX. |
| 409027025 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | finalCdDetailPage | XXX | XXX | FCD confirms XXX of $XXX. |
| 409027025 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | Audit CLTV XXX% matches the lender's final XXX Tape data value is XXX. |
| 409027025 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | Audit LTV XXX% matches the lender's final XXX Tape data value is XXX. |
| 409027025 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Appraisal confirms subject is XXX. |
| 409027025 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI XXX% matches the lender's final XXX Tape data value is XXX. |
| 409025442 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | The True Data was verified to be accurate with the appraisal. The auditor was XXX where the Tape Data originated. |
| 409025442 | XXXXX |  | XXX | Number of Units | propertyValuationPage | XXX | XXX | The True Data was verified to be accurate with the appraisal and lease agreements. |
| 409025442 | XXXXX |  | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX | The True Data was verified to be accurate with the credit report. The auditor was XXX where the Tape Data originated. |
| 409025442 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | The True Data was verified to be accurate with the XXX based on the XXX and appraised value. The auditor was XXX where the Tape Data originated. |
| 409025442 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | The True Data was verified to be accurate with the XXX based on the XXX and appraised value. The auditor was XXX where the Tape Data originated. |
| 409025442 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | The True Data was verified to be accurate with the final CD. |
| 409032265 | XXXXX |  | XXX | Prepayment Penalty Total Term | notePage | XXX | XXX | The True Data was verified to be accurate with the Prepayment Rider and the Prepayment Addendum to Note. |
| 409030543 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Cash out per the final CD in file is $ XXX. |
| 409032580 | XXXXX |  | XXX | Property Attachment Type | propertyValuationPage | XXX | XXX | Subject is XXX per Appraisal in file. |
| 409030263 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | The True Data was verified to be accurate with the final CD. |
| 409030496 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | The True Data was verified to be accurate with the final CD cash out of $XXX. Tape data value is XXX. |
| 409030496 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI is XXX% and lender's XXX is XXX% so the difference is due to rounding. |
| 409031035 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | The Final CD confirms XXX of $XXX. |
| 409031035 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | Audit LTV XX% matches the lender's final XXX Tape data value XXX. |
| 409031035 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | Audit CLTV XX% matches the lender's final XXX Tape data value XXX. |
| 409031035 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI XXX% matches the lender's final XXX rounded up from XXX%. Tape data value XXX. |
| 409029040 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | XXX per appraisal is XXX Tape value is unkown. |
| 409029040 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | XXX / value XXX = $XXX% CLTV and matches XXX Tape value is XXX. |
| 409029040 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | XXX / value XXX = $XXX% LTV and matches XXX Tape value is XXX. |
| 409029040 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI is XXX% and Lender's XXX is XXX%. The difference is rounding. |
| 409030644 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | The Appraisal confirm the value of $XXXK. Tape data value XXX. |
| 409030644 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | The Final CD confirms the XXX of $XXX. |
| 409025980 | XXXXX |  | XXX | Property Value | propertyValuationPage | XXX | XXX | XXX per appraisal in file is XXX Tape date value is XXX. |
| 409025980 | XXXXX |  | XXX | Qualifying LTV | propertyValuationPage | XXX% | XXX% | XXX $XXX/ value XXX = XXX% LTV. Audit verified LTV of XXX and Lender's XXX had XXX% Tape date value is XXX. |
| 409025980 | XXXXX |  | XXX | Qualifying CLTV | propertyValuationPage | XXX% | XXX% | XXX $XXX/ value XXX = XXX CLTV. Audit verified LTV is XXX% and Lender's XXX has XXX% Tape data value is XXX. |
| 409025980 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audited DTI is XXX% and Lender's XXX is XXX%. Tape date value is XXX. |
| 409025980 | XXXXX |  | XXX | Escrow Flag | rwtGet1Page | XXX | XXX | No escrows indicated per the final CD in file. Tape data value is XXX. |
| 409031023 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI is XXX% and Lender's DTI is XXX% and the difference is due to rounding. |
| 409033366 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | closingDetailsNonCompliancePage | XXX | XXX | Audit verified the XXX of XXX pm the Final CD document. |
| 409031574 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit DTI XXX% matches the lender's final XXX Tape data value XXX. |
| 409032433 | XXXXX |  | XXX | Pricing Doc Type | rwtGet1Page | XXX | XXX | Bank Statement income from Personal Account |
| 409032727 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX | Audit confirmed DTI is XXX% and Lender's XXX DTI is XXX%. Tape data value is XXX. |
| 255245914 |  |  | XXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | XXX Per Initial XXXX is XX/XX/XXXX. |
| 255236389 |  |  | XXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Initial XXX XX/XX/XXXX. |
| 2599730814 |  |  | XXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per the Initial XXX, the XXX has been verified. |
| 2599735841 |  |  | XXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per the Initial XXX, the XXX has been verified. |
| 2599732858 |  |  | XXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per the Initial XXX, the XXX has been verified. |
| 255355150 |  |  | XXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per the Note, the date has been verified. |
| 255337681 |  |  | XXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per the Note, the Date has been verified. |
| 980121341482 |  |  | XXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per the Initial XXX, the XXX has been verified. |
| 255344930 |  |  | XXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per the Initial XXX, the XXX has been verified. |
| 255344930 |  |  | XXX | Property Type | propertyValuationPage | XXX | XXX | Per the Appraisal, the XXX has been verified. |
| 980121282251 |  |  | XXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per the Initial XXX, the XXX has been verified. |
| 2599731638 |  |  | XXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per the Initial XXX, the XXX has been verified. |
| 255351773 |  |  | XXX | Property Type | propertyValuationPage | XXX | XXX | Per Appraisal. |
| 255353365 |  |  | XXX | Property Type | propertyValuationPage | XXX | XXX | Per the Appraisal, the XXX has been verified. |
| 255345442 |  |  | XXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per the Initial XXX, the XXX has been verified. |
| 2599734461 |  |  | XXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per the Initial XXX, the XXX has been verified. |
| 255363212 |  |  | XXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per Initial Application. |
| 255345222 |  |  | XXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per the Initial XXX, the XXX has been verified. |
| 255345222 |  |  | XXX | Property Type | propertyValuationPage | XXX | XXX | Per the appraisal, the subject is XX/XX/XXXX units. |
| 255304454 |  |  | XXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per the Initial XXX, the XXX has been verified. |
| 255358362 |  |  | XXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per the Initial XXX, the XXX has been verified. |
| 255363306 |  |  | XXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | XXX Per Initial XXX is XX/XX/XXXX. |
| 2599738321 |  |  | XXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | True data is correct per the initial XXX |
| 2599732480 |  |  | XXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per the Initial XXX, the XXX has been verified. |
| 2599734114 |  |  | XXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Compliance to correct - e-sign reflects XXX is XX/XX/XXXX |
| 2599734114 |  |  | XXX | Property Type | propertyValuationPage | XXX | XXX | Subject is a PUD per appraisal, rider provided. |
| 255357210 |  |  | XXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per Initial Application. and initial LE |
| 255361389 |  |  | XXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Review data is correct per XXX signature on initial XXX. |
| 255361389 |  |  | XXX | Property Type | propertyValuationPage | XXX | XXX | Subject is XXX unit per the appraisal. |
| 255226719 |  |  | XXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Initial XXX XX/XX/XXXX |
| 255359358 |  |  | XXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | XXX Per Initial XXX is XX/XX/XXXX. |
| 255377430 |  |  | XXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | XXX Per Initial XXX is XX/XX/XXXX. |
| 255368406 |  |  | XXX | Property Type | propertyValuationPage | XXX | XXX | Subject per appraisal is a XXX unit dwelling on form XXX |
| 2599736166 |  |  | XXX | Property Type | propertyValuationPage | XXX | XXX | Per appraisal, the subject is XX/XX/XXXX units. |

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## Exhibit 99.16

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** |
| 409014107 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/01/2025 | Waived | FCRE2335 | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX. | ; Under Review for Post Close Exception to use XXX% of Rents on vacant property.;  | 07/16/2025 | Waived per client request via email to use XXX% of market rents on vacant property. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: Comp Factors: XXX Fico (XXX Min); XXX% LTV/CLTV (Max XXX%), $XXX reserves (XXX mos PITIA reserves required or $XXX Required). | 07/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409014107 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/01/2025 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage The file only contains the H-XX policy premium notice. No coverage details provided. XXX DSCR vXXX guidelines require six months rent loss coverage. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 07/03/2025 | Rent Loss Coverage Present | 07/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A |
| 409014107 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/01/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue XXX DSCR vXXX guidelines dated XXX and the title commitment require proof of registration of the limited liability company, affidavit to establish the authority and identity of the managing members executing the documents, and proof members and LLC to be existing and in good standing under XXX laws. File is missing all corporate docs.  | ; Documentation received, XXX to review.; Document Uploaded. ;  | 07/03/2025 | Property Title Issue Resolved | 07/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409014107 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/01/2025 | Resolved | FCRE3000 | Credit | Borrower Rental Experience Not Within Guidelines | Borrower Rental Experience Not Within Guidelines Borrower's investor experience and management intentions are unknown.  | ; Documentation received, XXX to review.; Document Uploaded. ;  | 07/03/2025 | Borrower Rental Experience Within Guidelines | 07/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409016610 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/28/2025 | Resolved | FPRO0951 | Property | Condo Approval Missing | Condo Approval Missing. Per XXX DSCR vXXX guidelines, a condo questionnaire must be provided. | ; Document Uploaded. Documentation received, XXX to review.; ; ;  | 08/05/2025 | Questionnaire provided ; Condo Approval is provided. | 08/08/2025 | Qualifying FICO is Greater than the Guideline Minimum<br> C<br> B<br> A |
| 409016610 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/28/2025 | Waived | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements XXX DSCR vXXX guidelines require two months of bank statements to verify assets. File only contains one month of bank statements for all assets provided. Additionally, several large transfers and deposits on the bank statement provided have not been sourced or seasoned. | Document Uploaded. Documentation received, XXX to review.; Borrower appears 1st time investor and need to confirm assets ; ; ; ;  | 08/05/2025 | Waived per client request. Risk accepted for B grade. Client acknowledged the following XXX (XXX) compensating factors for this purpose: X) Qualifying FICO is Greater than the Guideline Minimum and X) Equity in REO at XXX XXX for additional assets of $XXX and XXX months of reserves with PITIA of $XXX. ; Rebuttal addressed requirement for large deposits, still need additional month of asset documentation | 08/08/2025 | Qualifying FICO is Greater than the Guideline Minimum<br> C<br> B<br> A |
| 409016610 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/28/2025 | Waived | FCRE3000 | Credit | Borrower Rental Experience Not Within Guidelines | Borrower Rental Experience Not Within Guidelines The file does not contain any evidence the borrower is using a third party to manage the subject property. The borrower only has one year investor experience provided. If the borrower plans on self-managing, the LTV would need to be reduced to XXX%; otherwise, Lender to provide evidence of a Property Management agreement. | ; ;  | 07/31/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: Comp Factors: X) XXX FICO X) $XXX in reserves. | 07/31/2025 | Qualifying FICO is Greater than the Guideline Minimum<br> C<br> B<br> A |
| 409016610 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/28/2025 | Waived | FCRE8201 | Credit | Loan does not conform to program guidelines | Per XXX DSCR Announcement dated XXX, geographic restrictions have been implemented in several counties, including XXX where the subject property is located, as part of a recent guidelines effecting all Debt Service Coverage Ratio (DSCR) loans, regardless of loan status, rendering the subject property ineligible for purchase. Additionally, prepayment penalty terms of XXX%, XXX%, XXX% does nto meet guidelines requirements. | ; ; ; ; ; In XXX Review.  | 07/31/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: Comp Factors: X) XXX FICO X) $XXX in reserves. | 07/31/2025 | Qualifying FICO is Greater than the Guideline Minimum<br> C<br> B<br> A |
| 409016610 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/28/2025 | Waived | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% The Appraisal form XXX shows current rents are $XXX/mo vs market $XXX/mo. Subject is not vacant; however, it also shows O/O. No lease provided, and purchase contract does not address any lease in place. Per XXX DSCR vXXX effective XXX, the lower of the XXX on form XXXX must be used for DSCR calc which would make the subject loan ineligible with a DSCR of XXX. However, due to this being a purchase, audit is assuming the property will be vacant. Using XXX% of the market rents, the new subject DSCR ratio of XXX is eligible at a max LTV of XXX%.  | ; XXX allows up to XXX% rents ; ;  | 07/31/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: Comp Factors: X) XXX FICO X) $XXX in reserves. | 07/31/2025 | Qualifying FICO is Greater than the Guideline Minimum<br> C<br> B<br> A |
| 409016610 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/28/2025 | Waived | FCRE3798 | Credit | Product Type does not meet eligibility requirement(s) | Commercial Note, Default Rate, and PPP in XXX of XXX%, XXX%, XXX% are outside XXX DSCR vXXX guidelines. | ; ;  | 07/31/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: Comp Factors: X) XXX FICO X) $XXX in reserves. | 07/31/2025 | Qualifying FICO is Greater than the Guideline Minimum<br> C<br> B<br> A |
| 409016305 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/23/2025 | Resolved | FVAL3825 | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. The subject property is located in FEMA Declared Disaster Area with no subsequent property inspection in the file. FEMA declared XXX in a Major Disaster Area (XXX, Straight-line XXX, and XXX) on XX/XX/XXXX with an incident start date of XX/XX/XXXX and an undetermined end date. The loan file does not include a post disaster inspection confirming the subject property did not sustain any damage as required per XXX.  | ; Documentation received, XXX to review.; Document Uploaded. ;  | 08/14/2025 | PDI report provided indicating no damage, exception resolved. ; Property Inspection Provided. | 08/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> A<br> C |
| 409016305 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/23/2025 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts None of the alerts identified in the fraud report have been addressed and cleared. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 08/14/2025 | Clear Fraud report provided ; All Fraud Report Alerts have been cleared or None Exist | 08/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> A<br> C |
| 409016305 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/23/2025 | Resolved | FPRO0383 | Property | FEMA Post Disaster Inspection Report not Provided | The subject property is a FEMA disaster case; however, the inspection report was not provided. The subject property is located in FEMA Declared Disaster Area with no subsequent property inspection in the file. FEMA declared XXX in a Major Disaster Area (XXX, XXX, and XXX) on XX/XX/XXXX with an incident start date of XX/XX/XXXX and an undetermined end date. The loan file does not include a post disaster inspection confirming the subject property did not sustain any damage as required per XXX.  | ; Documentation received, XXX to review.; Document Uploaded. ;  | 08/14/2025 | PDI report provided indicating no damage, exception resolved. ; FEMA Post Disaster Inspection report was provided. | 08/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> A |
| 409016305 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/23/2025 | Resolved | FCRE8981 | Credit | Purpose does not meet eligibility requirement(s) | XXX DSCR vXXX Guidelines state: For refinance transactions, single family properties must be leased at the time of closing and the borrower must provide evidence that the property has been leased. The subject is a vacant single family property, and there is no evidence that the property has a lease in place. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 08/11/2025 | LOE for LTV reduction provided  | 08/11/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> A<br> C |
| 409016305 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/23/2025 | Resolved | FCRE4104 | Credit | Missing explanation and supporting documentation for large deposit(s) | The Borrower's account statement reflects a deposit of $XXX on XX/XX/XXXX. Per XXX, when bank statements are used, large deposits must be evaluated; however, no explanation or documentation for this deposit is included in the loan file. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 08/11/2025 | LOE for larger deposit provided  | 08/11/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> A |
| 409017774 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/31/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Per XXX Announcement dated XX/XX/XXXX that eliminates CU Scores for the XXX DSCR program, missing required CDA/CCA to support appraised value. | ; ; ; ;  | 09/08/2025 | Client accepts CCA AR. Finding is resolved. ; Third party valuation product provided within tolerance.; Document Uploaded.  | 09/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409017774 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/30/2025 | Waived | FCRE2335 | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX. | ; ; ; XXX to process exception  | 09/02/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) XXX FICO X) borrower owned primary XXX+ years X) mortgages paid as agreed since XX/XX/XXXX. | 09/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409017774 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/30/2025 | Waived | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% XXX DSCR vXXX guidelines require LTV be reduced by X% due to subject property not leased and XXX% of market rent used for DSCR calculation. Max LTV for refinance cash-out with DSCR less than X is XXX%.  | ; ; ; ; ; XXX to process waiver due to guidlines | 09/02/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) XXX FICO X) borrower owned primary XXX+ years X) mortgages paid as agreed since XX/XX/XXXX. | 09/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409017774 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/30/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Appraiser, XXX, is on XXX's exclusionary list.  | ; ; Documentation received, XXX to review.; Document Uploaded. new appraisal ; Enhanced Appraisal Review in and supports inflated values - XXX to send new appraisal with firm secondary support ; XXX to provide new appraisal for loan purchase  | 09/02/2025 | Additional appraisal provided by acceptable appraiser ; Property/Appraisal Meets Guidelines | 09/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409017774 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/30/2025 | Waived | FCRE3798 | Credit | Product Type does not meet eligibility requirement(s) | Prepayment Penalty terms are outside of XXX DSCR vXXX guidelines. | ; ; ;  | 08/13/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) XXX FICO X) borrower owned primary XXX+ years X) mortgages paid as agreed since XX/XX/XXXX. | 08/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409017774 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/30/2025 | Waived | FCRE8981 | Credit | Purpose does not meet eligibility requirement(s) | XXX DSCR vXXX Guidelines state: For refinance transactions, single family properties must be leased at the time of closing and the borrower must provide evidence that the property has been leased. There is no evidence that the property has a lease in place. | ; ; ; Documentation received in XXX review.; Document Uploaded. Appraisal shows tenants are month to month.<br>Guidelines don't require a lease if month to month. <br> ; ; ; ;  | 08/13/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) XXX FICO X) borrower owned primary XXX+ years X) mortgages paid as agreed since XX/XX/XXXX.; Resolved in error. XXX's XXX DSCR guideline overlays require a copy of month-to-month leases. ; Updated appraisal provided, month to month tenant indicated  | 08/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409017774 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/30/2025 | Waived | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Per XXX, loans require rent loss insurance covering a minimum of XXX months for the subject property for the greater of in place or market rent during disruption. | ; XXX to confirm no rent loss was attained for post close waiver due to guideline issue  | 08/12/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) XXX FICO X) borrower owned primary XXX+ years X) mortgages paid as agreed since XX/XX/XXXX. | 08/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409017774 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/31/2025 | Waived | FCRE3843 | Credit | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. XXX DSCR vXXX Guidelines require XXX months PITIA reserves for loan amounts <$XXX. No asset documentation contained in the loan file.  | ; ; guideline difference. Fm confirm using loan proceeds as reserves  | 08/12/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) XXX FICO X) borrower owned primary XXX+ years X) mortgages paid as agreed since XX/XX/XXXX. | 08/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409017775 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/30/2025 | Waived | FCRE3000 | Credit | Borrower Rental Experience Not Within Guidelines | Borrower Rental Experience Not Within Guidelines Missing borrower investment property management intention and experience.  | ; ; ; Documentation received, XXX to review.; Document Uploaded. rental experience memo ; XXX to opine if waiver to apply or they have evidence of prop management  | 08/15/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) XXX FICO X) borrower has owned primary XXX+ years X) mortgages paid as agreed since XXX.; Seller provided document stating borrower has owned XXX investment property at XXX for the last few years. Management intentions are unknown. ; Borrower Rental Experience Not Within Guidelines; Borrower Rental Experience Within Guidelines; Lender certification of experience provided  | 08/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409017775 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/31/2025 | Waived | FCRE2335 | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX. DSCR is less than XXX  | ; ; ; XXX viewing waiver  | 08/15/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) XXX FICO X) borrower has owned primary XXX+ years X) mortgages paid as agreed since XXX. | 08/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409017775 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/31/2025 | Waived | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% Vacant property with a DSCR score below XXXX results in a XXX% reduction of LTV  | ; ; ; XXX to process waiver | 08/15/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) XXX FICO X) borrower has owned primary XXX+ years X) mortgages paid as agreed since XXX. | 08/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409017775 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/30/2025 | Waived | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. The borrower is $XXX short funds for reserves. | ; ; ; XXX to process waiver due to XXX | 08/15/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) XXX FICO X) borrower has owned primary XXX+ years X) mortgages paid as agreed since XXX. | 08/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409017775 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/31/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Per XXX Announcement dated XX/XX/XXXX that eliminates CU Scores for the XXX DSCR program, missing required CDA/CCA to support appraised value. | ; CDA received, in XXX review. ; Document Uploaded. CDA; ; ;  | 08/15/2025 | Property/Appraisal Meets Guidelines | 08/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409017775 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/31/2025 | Waived | FCRE8201 | Credit | Loan does not conform to program guidelines | Loan has a XXX year hard XXX% pre payment penalty which is not acceptable per XXX DSCR vXXX guide. | ; ; XXX to view for waiver  | 08/13/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) XXX FICO X) borrower has owned primary XXX+ years X) mortgages paid as agreed since XXX. | 08/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409018327 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/15/2025 | Waived | FCRE8201 | Credit | Loan does not conform to program guidelines | Per XXX Expended Program Eligibility Guide vXXX, all parties with XXX% or more controlling interest are considered material owners and require the following documents: Loan Application, Credit Report, Full Recourse Personal Guaranty, Fraud Report, Personal ID and WX. File is missing all of the required documentation with the exception of Personal ID for XXX, who holds a XXX% ownership interest in XXX. | ; ; ;  | 08/26/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) XXX% LTV X) XXX FICO X) $XXX in reserves. | 08/26/2025 | D<br> B<br> C<br> A |
| 409018327 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/15/2025 | Waived | FPRO1501 | Property | HOA Questionnaire is Incomplete | HOA Questionnaire incomplete Per XXX DSCR Program Eligibility Guide vXXX, all condo questionnaires must be on either a FNMA XXX or FHLMC full form and the two submitted form condo questionnaire forms do not conform to these acceptable forms.  | ; ; ;  | 08/26/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) XXX% LTV X) XXX FICO X) $XXX in reserves. | 08/26/2025 | D<br> B<br> C<br> A |
| 409018327 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/15/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing a Collateral Desk Review (CDA) or Consolidated Collateral Analysis (CCA) to support the appraised value as required per XXX DSCR Program Eligibility Guide vXXX.  | ; Document Uploaded. Documentation received, XXX to review. | 08/21/2025 | Third party valuation product provided within tolerance. | 08/26/2025 | D<br> B<br> C<br> A |
| 409018327 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/15/2025 | Waived | FCRE8506 | Credit | Application Profile Missing | Borrower Contact Consent Form is missing. | ; ;  | 08/21/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) XXX% LTV X) XXX FICO X) $XXX in reserves. | 08/21/2025 | D<br> B<br> C<br> A |
| 409018327 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/15/2025 | Waived | FCRE7347 | Credit | Missing Lease Agreement | The loan file contains inconsistencies regarding the terms of the lease for the subject property. The lease agreement provided shows a term from October XXX to October XXX with a monthly rent of $XXX. However, the XXX Form shows a different term from February XXX to February XXX with a monthly rent of $XXX, which is the amount was used to calculate the DSCR. Per XXX DSCR Program Eligibility Guide vXXX, a copy of the fully executed lease agreement is required. Please confirm that the lease agreement in the file is the one currently in effect or provide copy of the new lease agreement. | ; ; ;  | 08/21/2025 | Used lower of rents per client request. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) XXX% LTV X) XXX FICO X) $XXX in reserves. | 08/21/2025 | D<br> B<br> C<br> A |
| 409018285 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/19/2025 | Resolved | FCRE3000 | Credit | Borrower Rental Experience Not Within Guidelines | Borrower Rental Experience Not Within Guidelines Borrower's investor experience is within guidelines, but management intentions are not contained in the loan file.  | ; Documentation received, XXX to review.; Document Uploaded. ;  | 09/08/2025 | XXX documentation provided to confirm management intention method ; Borrower Rental Experience Within Guidelines | 09/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 409018285 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/19/2025 | Rescinded | FCRE8201 | Credit | Loan does not conform to program guidelines | XXX DSCR vXXX guideline state, if the borrower is a legal entity, all members of the entity with XXX% or more controlling interest are considered material owners and must be disclosed on an application, provide a full recourse guarantee, personal identification, credit report, fraud report, and executed WX. The vested entity's LLC Operating Agreement identifies XXX as XXX% owner, but he did not sign the Note (Personal Guarantee), and the seller did not provide any of the required credit documentation for this member. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 08/28/2025 | Loan qualified off of the borrower, XXX; property is vested to LLC. Condition is rescinded. ; Per XXX DSCR vXXX guide all member with XXX% or more of ownership must provide full recourse guaranty and meet all other conditions below  | 09/05/2025 | C<br> A |
| 409020612 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 09/04/2025 | 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. (XX CFR §XXXXX(b)(X), (e)(X))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%.A 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.Higher-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 XXX or more percentage points for a first-lien covered transaction, or by XXX or more percentage points for a subordinate-lien covered transaction. HPML with established escrows and appraisal requirements met. | ; Comment received in XXX review.; This loan is HPML and meets the requirements for this type of loan:<br> • Establish an escrow account<br> • Obtain a written appraisal<br> • Deliver written appraisal XXX days prior to closing<br> ;  | 09/18/2025 | Investor allows for rebuttable presumption; Exception resolved | 09/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> B<br> A |
| 409020612 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 09/04/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Per the Privacy Notice disclosure, XXX has affiliates. Provide the Affiliated Business disclosure dated within XXX business days of application XX/XX/XXXX. | ; ; Documentation received, XXX to review.; Document Uploaded. ;  | 09/11/2025 | Required Affiliated Business Disclosure Documentation Provided | 09/11/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> B<br> A |
| 409018911 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/09/2025 | Resolved | FCRE3000 | Credit | Borrower Rental Experience Not Within Guidelines | Borrower Rental Experience Not Within Guidelines Borrower's investor experience meets guidelines, but the loan file does not contain property management intentions. | ; Documentation received, XXX to review.; Document Uploaded. ; ; Documentation received in XXX review.; Document Uploaded. ;  | 09/29/2025 | Borrower Rental Experience Within Guidelines; Missing borrower management intentions.. require per guide  | 09/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 409017301 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/12/2025 | Waived | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% Per XXX DSCR Program Eligibility Guide vXXX, maximum LTV for the First Time Investors must be reduced by XXX%. For cash-out refinance transactions, the maximum allowable LTV is XXX%. Since the Borrower is a First Time Investor, a XXX% reduction applies, resulting in a maximum allowable adjusted LTV of XXX%. The subject LTV of XXX% exceeds the maximum adjusted allowable LTV by XXX%. The Lender granted an exception for LTV/CLTV exceeding program limits by less than or equal to XXX% based on the following compensating factors: Property will be professionally managed and current tenant has been renting for more than XXX year. |  | 09/15/2025 | Waived for B grade. The Lender granted an exception for LTV/CLTV exceeding program limits by less than or equal to XXX% based on the following compensating factors: Property will be professionally managed and current tenant has been renting for more than XXX year. | 09/15/2025 | C<br> B<br> A |
| 409017301 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/12/2025 | Waived | FCRE1197 | Credit | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX. Per XXX DSCR Program Eligibility Guide vXXX, minimum credit score for the First Time Investors is XXX and the Borrower's credit score is XXX. The Lender granted an exception for the credit score below program requirements based on the following compensating factors: Property will be professionally managed and current tenant has been renting for more than XXX year. |  | 09/15/2025 | Waived for B grade. The Lender granted an exception for the credit score below program requirements based on the following compensating factors: Property will be professionally managed and current tenant has been renting for more than X year.  | 09/15/2025 | C<br> B<br> A |
| 409024844 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Waived | FCRE1334 | Credit | Borrower X Executed XXXX-T Missing | Borrower XXX Executed XXX-T Missing | ; ; ;  | 10/10/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) XXX% DTI X) XXX FICO X) borrower has been on job XXX+ years. | 10/10/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> B<br> A |
| 409024844 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Waived | FCRE8201 | Credit | Loan does not conform to program guidelines | Loan contains a XXX months pre payment penalty which is not acceptable per the XXX Expanded Guide version XXX | ; ;  | 10/09/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) XXX FICO X) borrower has been in the same line of work X years X) $XXX in reserves. | 10/09/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> B<br> C<br> A |
| 409024855 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/06/2025 | Waived | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% Per XXX DSCR Program Eligibility Guide vXXX, the maximum LTV for refinance transactions on unleased properties must be reduced by XXX%. For rate and term refinance transactions, the maximum allowable LTV is XXX%. Since the subject property is unleased, a XXX% reduction applies, resulting in a maximum allowable adjusted LTV of XXX%. The subject LTV of XXX% exceeds the maximum adjusted LTV of XXX%. | ; ;  | 10/10/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) XXX FICO X) borrower has owned primary residence XX years X) XXX DSCR ratio. | 10/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409024855 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/06/2025 | Resolved | FCRE8506 | Credit | Application Profile Missing | File is missing the required Borrower Contact Consent Form. | ; Document Uploaded. Document received. In XXX review. ; Possible waiver. Seller to provide information regarding if XXX required.  | 10/10/2025 | Borrower Contact Consent Form provided.  | 10/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A |
| 409024855 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/06/2025 | Waived | FCRE3798 | Credit | Product Type does not meet eligibility requirement(s) | XXX DSCR vXXX Guidelines state: For refinance transactions, single family properties must be leased at the time of closing, and the borrower must provide evidence that the property has been leased. The subject is vacant single-family property, and there is no evidence that the property has a lease in place. | ;  | 10/08/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) XXX FICO X) borrower has owned primary residence XX years X) XXX DSCR ratio. | 10/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409025642 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 10/20/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX, 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 escrow, however appraisal requirements were not met. The file did not contain evidence that showed a copy of the appraisal was provided to the consumer promptly upon completion or at least XXX-business days prior to consummation date XX/XX/XXXX. <br>| ; ; Document Uploaded. Doc received. In XXX review. ; ;  | 11/04/2025 | Proof of appraisal delivery provided, HPML compliant. Exception resolved | 11/04/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> C<br> A |
| 409025642 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 10/20/2025 | Waived | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (XX CFR XXXXXXX(a)(X)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX CFR XXXXX(a)(X)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely.<br>| ; ;  | 11/04/2025 | Client accepts and acknowledges EVX/B finding. Per client request, waiving for B grade. | 11/04/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A<br> C |
| 409025642 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 10/22/2025 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | The credit report reflected inquiries within the most recent XXX days of the credit report. Missing letter of explanation. | ; Document Uploaded. Document received. In XXX review. ;  | 11/04/2025 |  | 11/04/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A<br> C |
| 409025642 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 10/20/2025 | Resolved | FCOM3531 | Compliance | Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (XX CFR XXXXXXX(c)(X)) | Evidence of Appraisal Delivery to the Borrower Not Provided. The file did not contain evidence that showed a copy of the appraisal was provided to the consumer promptly upon completion or at least XXX-business days prior to consummation date XX/XX/XXXX. | ; Document Uploaded. Doc received In XXX review. ; ;  | 11/03/2025 | Evidence of Appraisal Delivery to the Borrower Provided. | 11/04/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> C<br> A |
| 409026009 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/22/2025 | Waived | FCRE6100 | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX%. | ; ; ; ;  | 12/11/2025 | Client approved exception to guidelines. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: original LTV is below guideline maximum, original CLTV is below guideline maximum, qualifying DTI is below max allowed, and qualifying FICO is greater than guideline maximum.  | 12/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> B<br> C<br> A |
| 409026009 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/22/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of property taxes and insurance for XXX | ; Document Uploaded. ; Property is land only. XXX and Tax Bill uploaded for review. ;  | 12/11/2025 | Tax bills provided showing vacant land.  | 12/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> B<br> A |
| 409026009 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/22/2025 | Waived | FCRE6737 | Credit | Missing Letter of Explanation (Income) | Per XXX Expanded vXXX, a business narrative is required. | ; ; Requested waiver, purchasing to XXX guidelines. ;  | 10/23/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) Comp factors XXX% LTV (max XXX% allowed) X) XXX FICO (min XXX required) X) XXX% DTI (max XXX% allowed). <br>| 10/23/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> B<br> A |
| 409024207 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/24/2025 | Rescinded | FCRE1728 | Credit | Missing rent comparable schedule form XXXX | Missing required Form XXX. The Property Earnings Potential Report provided in file is not acceptable for use as market rent per XXX DSCR vXXX guidelines. |  | 10/28/2025 | XXX is meets guideline requirement  | 11/19/2025 | A |
| 409025629 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/24/2025 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage XXX DSCR vXXX guidelines require rent loss insurance covering a minimum XXX months for subject property. Hazard insurance policy provided does not reflect rent loss insurance.  | ; Document Uploaded. Document received. In XXX review. ; ;  | 11/03/2025 | Rent Loss Coverage Present | 11/03/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> B<br> A |
| 409025629 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/24/2025 | Waived | FCRE3000 | Credit | Borrower Rental Experience Not Within Guidelines | Borrower Rental Experience Not Within Guidelines Borrower's investor experience is within guidelines, but management intentions are not contained in the loan file.<br>| ; ;  | 11/03/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) XXX% LTV X) XXX FICO X) borrower has owned primary residence XXX+ years. | 11/03/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> B<br> C<br> A |
| 409025629 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/24/2025 | Resolved | FCRE1480 | Credit | Asset X Does Not Meet Guideline Requirements | Asset Record X Does Not Meet G/L Requirements Missing copy of Settlement statement for sale of XXX (XXX).  | ; Document Uploaded. Document received. In XXX review. ; ;  | 11/03/2025 | Asset Record X Meets G/L Requirements Or Not Applicable | 11/03/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> B<br> C<br> A |
| 409025629 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/24/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing business Articles of Organization and Operating Agreement.  | ; Document Uploaded. Docs received. In XXX Review. ; ;  | 11/03/2025 | Income and Employment Meet Guidelines | 11/03/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> B<br> C<br> A |
| 409025629 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/24/2025 | Resolved | FCOM8804 | Credit | Missing Loan program disclosure | Missing business EIN information.  | ; Document Uploaded. Doc received. In XXX review. ; ;  | 11/03/2025 |  | 11/03/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> B<br> A |
| 409025135 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 10/27/2025 | Resolved | finding-4033 | Compliance | Qualified Mortgage Safe Harbor Threshold | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (XX CFR §XXXXX(b)(X), (e)(X))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%.A 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.Higher-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 XXX or more percentage points for a first-lien covered transaction, or by XXX or more percentage points for a subordinate-lien covered transaction. Loan is considered a higher priced covered transaction | ; ; ; ; ;  | 11/14/2025 | Client allows HPML, and loan is HPML compliant. Finding is informational and resolved. | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> B<br> A<br> C |
| 409025135 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 10/28/2025 | Resolved | FCRE1347 | Credit | Borrower X 3rd Party VOE Prior to Close Missing | Borrower X 3rd Party VOE Prior to Close Missing The borrowers own a business together. There was a CPA letter in file but it was not dated. The file did contain a VVOE for the borrower but there was no separate VVOE for the co-borrower. | ; Documentation received, XXX to review ; Document Uploaded. ; ;  | 11/12/2025 | Borrower X 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> B<br> A<br> C |
| 409025135 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 10/27/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXX(e)(X)(i). TILA XXXb Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Credit Report. | ; Document Uploaded. ; Documentation received in XXX review.; Condition updated XXX ; ; Cure package is missing a copy of the PCCD and copy of check; Document Uploaded. ; Documentation received, XXX to review ; ; ;  | 11/14/2025 | Cure package provided to the borrower; exception downgraded to a X/B; ;  | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> B<br> C<br> A |
| 409025135 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 10/28/2025 | Waived | FCRE8506 | Credit | Application Profile Missing | XXX Expanded Bank statement program requires an executed business narrative to assist the underwriter to review the reasonableness of the expenses by the borrower. | ;  | 10/30/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) XXX FICO (min XXX required) and X) DTI XXX% (max XXX%). | 10/30/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> B<br> A<br> C |
| 409025154 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/30/2025 | Rescinded | FCRE3000 | Credit | Borrower Rental Experience Not Within Guidelines | Borrower Rental Experience Not Within Guidelines Unable to determine investor experience due to missing XXX  | ; ;  | 12/03/2025 | Management experience in file. ; Borrower Rental Experience Within Guidelines | 12/03/2025 | D<br> B<br> A |
| 409025154 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/29/2025 | Resolved | FCRE1182 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/01/2025 | Approval/Underwriting Summary is fully present | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A |
| 409025154 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/30/2025 | Resolved | FCRE8201 | Credit | Loan does not conform to program guidelines | Loan is a commercial transaction  |  | 10/31/2025 | Commercial notes approved by XXX XX/XX/XXXX | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409025154 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/29/2025 | Waived | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Credit inquiries with XXX days of closing were not addressed  |  | 10/31/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX DSCR; XXX FICO; XXXX Mos PITIA Reserves; ;  | 11/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A |
| 409025154 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/29/2025 | Resolved | FCRE8506 | Credit | Application Profile Missing | Missing required borrower contact consent  | ;  | 11/05/2025 | Client now accepts the loan application with borrower contact information and consent to contact in lieu of a separate borrower contact consent form. Finding is resolved.  | 11/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A |
| 409026592 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/27/2025 | Rescinded | FCOM1111 | Compliance | Late Charge Grace Period is less than XX days | Late Charge Grace Period is less than XXX days | ;  | 12/08/2025 | Meets state requirements. Finding is rescinded.  | 12/08/2025 | C<br> A |
| 409026592 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/27/2025 | Rescinded | FCOM1114 | Compliance | Late Charge Percent is greater than X% | Late Charge Percent is greater than XXX% Late Charge Percent is greater than XXX% | ;  | 12/08/2025 | Meets state requirements. Finding is rescinded.  | 12/08/2025 | C<br> A |
| 409026592 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/27/2025 | Resolved | FCRE3000 | Credit | Borrower Rental Experience Not Within Guidelines | Borrower Rental Experience Not Within Guidelines Borrower does not meet the definition of experienced investor due to missing management intent. The XXX% reduction in LTV was correctly considered. |  | 10/29/2025 | Borrower Rental Experience Within Guidelines; Borrower Rental Experience Not Within Guidelines; Management intentions were not disclosed in the loan file. Borrower is first time investor and has FICO greater than XXX, XXX months of reserves, and LTV of XXX% or less, so if borrower plans to self-manage, guideline requirements will be met. ; ;  | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> C<br> A |
| 409024075 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/29/2025 | Resolved | FCRE8506 | Credit | Application Profile Missing | Missing Borrower Contact Consent Form. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 11/03/2025 |  | 11/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409024295 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/29/2025 | Resolved | FCRE3472 | Credit | Overdraft/NSF Count Exceeds Tolerance | Overdraft/NSF count exceeds tolerance. The Borrower has been qualified using XXX months Business Bank Statements which reflect XXX NSFs. XXX Expanded GLs VXXX dated XXX require an LOX from the borrower to evaluate that they are not due to financial mishandling and/or indicative of insufficient income. File is missing the required LOX. | ; ; ; ; ; Condition updated XXX ; Document Uploaded. ; Documentation received, XXX to review.; ; ; ;  | 12/01/2025 | ; Overdraft/NSF count exceeds tolerance.; LOX received for overdrafts.  | 12/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C |
| 409024295 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/29/2025 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. XXX Expanded GLs VXXX dated XXX require XXX months reserves for subject doc level and LTV. The Final XXX reflects an additional account (XXX) with a balance of $XXX which would be sufficient to cover the reserve requirement. Documentation for this account has not been included in the file. | ; ; Documentation received in XXX review.; Document Uploaded. ; ;  | 11/12/2025 | Audited Reserves of $XXX are equal to or greater than AUS Required Reserves of $XXX. | 11/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C |
| 409024295 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/29/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The Borrower owns one additional property free and clear. There is no evidence in file that the property has no liens. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; ; ; ;  | 11/12/2025 |  | 11/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 409024295 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/29/2025 | Resolved | FCRE7805 | Credit | Missing Income - Bank Statements | The Borrower has been qualified using XXX months Business Bank Statements. The last statement provided is dated XXX, and the subject loan closed XXX. XXX Expanded GLs vXXX dated XXX require the most recent months available. Lender to provide more current bank statements. | ;  | 10/31/2025 | Bank statements provided through XX/XX/XXXX are sufficient. Finding is resolved.  | 10/31/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 409025190 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/30/2025 | Waived | FCRE1479 | Credit | Asset X Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. Two full months of asset verification is required for XXX DSCR vXXX guidelines. File contains one month of statements from business bank statement.  | ; ;  | 11/21/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) Qualifying FICO is Greater than the Guideline Minimum, X) Original LTV is Below the Guideline Maximum, and X) Original CLTV is Below the Guideline Maximum. | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> B<br> C<br> A |
| 409025190 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/30/2025 | Waived | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage XXX DSCR vXXX guidelines require rent loss insurance covering a minimum XXX months for subject property. Hazard insurance policy provided does not reflect fair rental value amount.  | ; ;  | 11/21/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXXx DSCR; XXX% LTV; XXX FICO; XXXX Mos PITIA Reserves. | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> B<br> A |
| 409025190 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/30/2025 | Resolved | FCRE3000 | Credit | Borrower Rental Experience Not Within Guidelines | Borrower Rental Experience Not Within Guidelines Borrower's investor experience is within guidelines, but management intentions are not contained in the loan file. | ; ;  | 11/21/2025 | Per client, deferring to self-management. Borrower meets guideline requirement for self-management with FICO of XXX.  | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> B<br> C<br> A |
| 409025763 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/30/2025 | Waived | FCRE1479 | Credit | Asset X Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. The loan file contains XXX statement from XXX acct ending XXX from XXX - XXX and a printout that covers from XXX - XXX. Assets in file only cover XXX days. Provide XXX months consecutive statements as required by guidelines.  | ; ; ;  | 11/18/2025 | Waived per client request. Risk accepted for B grade. Client acknowledged the following compensating factors for this purpose: Qualifying FICO is greater than Guideline Minimum and $XXX (XXX mos Reserves)(Min XXX mos required). | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409025763 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/30/2025 | Rescinded | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts The Lender Fraud Report reflects high alerts regarding possible undisclosed properties. Provide a Lender Fraud Report with all high alerts cleared. XXX Fraud Alert reflects high alerts regarding possible undisclosed properties. The final application only reflects the borrower's primary mortgage. Provide documentation to clear all high alerts. | ; Comment received, in XXX review.; undisclosed properties on the XXX – Same as above – because this is DSCR we do not need to disclose other properties, only the borrower's primary and then the subject property if it is a refi. ;  | 11/18/2025 | This file is a DSCR therefore the other mortgages do not need to be disclosed, only the borrower's primary needs to be disclosed per guidelines | 11/18/2025 | C<br> B<br> A |
| 409025763 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/30/2025 | Rescinded | FCOM1233 | Credit | The Final XXXX is Incomplete | The Final XXX is Incomplete The credit report reflects XXX mortgages that are not disclosed on the final application: XXX HELOC acct ending XXX, XXX acct ending XXX, XXX acct ending XXX and XXX acct ending XXX. Additionally, A final CD dated XXX for the refinance of an OREO at XXX that is not reflected on the final application. All properties and mortgages owned by the borrower are required to be disclosed on the final application. Provide a final application with all properties and affiliated mortgages disclosed.  | ; Comment received, in XXX review.; This file is a DSCR therefore the other mortgages do not need to be disclosed, only the borrower's primary needs to be disclosed per guidelines. <br>;  | 11/18/2025 | This file is a DSCR therefore the other mortgages do not need to be disclosed, only the borrower's primary needs to be disclosed per guidelines | 11/18/2025 | C<br> B<br> A |
| 409026167 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409025854 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/31/2025 | Rescinded | FCRE1198 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of month(s) are less than Guideline Required Reserves of XXX months(s) | ;  | 11/25/2025 |  | 11/25/2025 | D<br> A |
| 409025854 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/29/2025 | Resolved | FCRE8506 | Credit | Application Profile Missing | The required Borrower Contact Consent Form is not contained in the loan file. | ;  | 11/06/2025 | Client now accepts the loan application for the borrower contact information and consent to contact in lieu of a separate borrower contact consent form. This finding is resolved. | 11/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409025854 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/29/2025 | Resolved | FCRE3000 | Credit | Borrower Rental Experience Not Within Guidelines | Borrower Rental Experience Not Within Guidelines Borrower's investor experience is within guidelines, but management intentions are not contained in the loan file. | ; ;  | 11/05/2025 | Borrower Rental Experience Within Guidelines | 11/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 409025854 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/31/2025 | Rescinded | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $XXX. | ;  | 11/03/2025 |  | 11/03/2025 | D<br> A |
| 409025292 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/30/2025 | Waived | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% XXX DSCR vXXX guidelines require LTV be reduced by XXX% due to borrower being a First Time Investor. Audit LTV of XXX% exceeds guidelines LTV of XXX%.  | ; ;  | 11/19/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO (min XXX), Reserves $XXX, DSCR XXXX (min XXXX), owns primary residence – XX years with $XXX equity or more. | 11/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409025292 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/30/2025 | Waived | FCRE1480 | Credit | Asset X Does Not Meet Guideline Requirements | Asset Record X Does Not Meet G/L Requirements XXX DSCR vXXX guidelines require large deposits to be evaluated. Large deposits are defined as any single deposit that represents more than XXX% of the monthly average deposit balance. XXX statement dated XX/XX/XXXX reflects two deposits not sourced ($XXX on XX/XX/XXXX and $XXX on XX/XX/XXXX). Missing documentation for source of deposits.  | ; ; In escalation for waiver ; ;  | 11/19/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: Comp factors – XXX FICO (min XXX), Reserves $XXX, DSCR XXXX (min XXX), owns primary residence – XXX years with $XXX equity or more. | 11/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409025292 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/30/2025 | Waived | FCRE5774 | Credit | Borrower X Credit Report is Incomplete | Borrower XXX Credit Report is Partially Present. Experian credit report is frozen. Per XXX DSCR guideline, credit reports with bureaus identified as "frozen" are required to be unfrozen and a current credit report with all bureaus unfrozen is required.  | ; Reviewing for exception ; ; ;  | 11/19/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) DSCR XXX (min XXXX)X) XXX FICO (min XXX) X) reserves $XXX.; Waived in error. ; Waived per client request. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO (min XXX), Reserves $XXX, DSCR XXXX (min XXXX), owns primary residence – XX years with $XXX equity or more. | 11/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409025292 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/30/2025 | Waived | FCRE8506 | Credit | Application Profile Missing | Missing contact consent form.  | ;  | 11/04/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX FICO (min XXX), Reserves $XXX, DSCR XXXX (min XXXX), owns primary residence – XX years with $XXX equity or more. | 11/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A |
| 409023829 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/29/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XX CFR §XXXXX(f)(X)(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 §XXXXX(f)(X)(i) no later than three business days before consummation. The earliest CD in the loan file was issued on XX/XX/XXXX. and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XX/XX/XXXX. | ; Documentation received, XXX to review.; Document Uploaded. ; ; Documentation received, XXX to review.; Document Uploaded. ICD and audit trail for acknowledgement;  | 11/14/2025 | Client provided copy of initial CD and audit trail to show proof of delivery that was missing. Exception resolved; Client provided copy of initial CD and audit trail to show proof of delivery that was missing. Exception resolved; The earliest CD in the loan file was issued on XX/XX/XXXX. and signed at consummation. The violation can be cured by providing the copy of the initial CD as indicated in the audit trail provided | 11/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C |
| 409023829 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/31/2025 | Resolved | FCRE8506 | Credit | Application Profile Missing | Missing required Business Narrative  | ; Documentation received, XXX to review.; Document Uploaded. ;  | 11/12/2025 |  | 11/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C |
| 409023829 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/31/2025 | Resolved | FCRE1325 | Credit | Borrower X CPA Letter Missing | Borrower XXX CPA Letter Missing XXX expanded program requires 3rd party verification of self employment. CPA Letter, Business License  | ; Documentation received, XXX to review.; Document Uploaded. ;  | 11/12/2025 | Borrower X CPA Letter Provided | 11/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C |
| 409023829 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/31/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue The Proposed Amount of Insurance is $XXX, should be $XXX. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 11/12/2025 | Property Title Issue Resolved | 11/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C |
| 409023991 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/31/2025 | Resolved | FCRE8506 | Credit | Application Profile Missing | Missing required borrower contact consent and Spousal consent for community property state  | ; Documentation and comment received, XXX to review.; Document Uploaded. Spousal consent is not required on an investment/business purpose loan. ;  | 11/18/2025 | Contact consent form received. Spousal consent not required as not a XXX property. ; Update to finding: Borrower contact consent is no longer required. Please provide spousal consent for community property state.  | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> A |
| 409024192 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/30/2025 | Resolved | FCRE1158 | Credit | Hazard Insurance Policy is Partial | Hazard Insurance Policy Partially Provided The Hazard Insurance Policy in file appears corrupted in transmission and is not complete. Additionally, it does not support the premium used to qualify of $XXX/mo. Lender to provide complete and legible policy plus any additional coverage and premiums if applicable. | ; Documentation received in XXX review.; Document Uploaded. ; ; ; Documentation received, XXX to review.; Document Uploaded. ;  | 11/18/2025 | Hazard Insurance Policy is fully present; Provided XXXX does not address the HOI condition  | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C<br> B |
| 409024192 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/29/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 11/05/2025 | Evidence of eConsent is provided. | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> B<br> C |
| 409024192 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/30/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The file contains a full appraisal report dated XXX along with a UCDP report with a CU score of XXX which requires a Third Party Valuation. None has been provided. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 11/06/2025 | Third party valuation product provided within tolerance. | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C<br> B |
| 409024192 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/30/2025 | Resolved | FCRE2109 | Credit | Missing Lender Income Calculation Worksheet | The file contains a Lender's income calculation worksheet covering XXX months from XXX thru XXX. The file contains XXX months bank statements for the same accounts but covers months from XXX thru XXX. In order to accurately review the qualifying income, an updated Lender Calculation Worksheet is needed covering XXX thru XXX including confirmation of excluded deposits. | ; Document Uploaded. Updated worksheets; Documentation received, XXX to review.;  | 11/06/2025 |  | 11/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C<br> B |
| 409024192 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/30/2025 | Resolved | FCRE6737 | Credit | Missing Letter of Explanation (Income) | The borrower has been qualified using XXX months bank statement income. The borrowers net monthly business deposits typically range from $XXXK to $XXXK. In February, XXX, a large deposit for $XXX was included in that month's net income $XXX. Lender GLs require large and unusual deposits must be sourced and addressed. The file does contain an LOX for large deposits but those were excluded from income, and it did not address the large deposit mentioned. | ; Documentation received, XXX to review.; Document Uploaded. Deposit was backed out - Income still good;  | 11/06/2025 |  | 11/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C<br> B |
| 409025752 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/10/2025 | Waived | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The client approved an exception to guidelines for property in XXX Rural Area (although the appraisal identifies the subject as suburban). Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DSCR ratio, reserves, and long-time investor. |  | 12/10/2025 | ; Document Uploaded.  | 12/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409025752 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/08/2025 | Resolved | FCRE8201 | Credit | Loan does not conform to program guidelines | Client's delivery email indicates a loan exception was approved. The exception documentation is not contained in the loan file. |  | 12/10/2025 | ; Document Uploaded.  | 12/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409025186 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/30/2025 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. Missing the appraisal for the subject property. | ; Document Uploaded. Appraisal received, XXX to review. ; Still missing original appraisal. ; Documentation received, XXX to review.; Document Uploaded. ; ; Condition updated XXX - need original appraisal, only received XXX. ; Documentation received, XXX to review.; Document Uploaded. ; ;  | 11/14/2025 | Appraisal is Present or is Waived; Final inspection received, however full initial appraisal was not provided.; XXXXD provided, please provide initial XXXX | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> A<br> C |
| 409025186 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/30/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; ;  | 11/12/2025 | Third party valuation product provided within tolerance. | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> A<br> C |
| 409025186 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/30/2025 | Resolved | FCOM1604 | Compliance | Regulation § XXXXXXX(c)(X)(vi) failure - The consumer's current debt obligations, alimony, and child support or other debt obligations were not confirmed and included in the DTI or excluded per lender guidelines. | Regulation § XXXXX(c)(X)(vi) failure - The consumer's current debt obligations, alimony, and child support or other debt obligations were not confirmed and included in the DTI or excluded per lender guidelines. Missing Documentation to support the new debt incurred w/ XXX - Purchased new furniture. $XXX balance of $XXX available. | ; ; ; ; Documentation received, XXX to review.; Document Uploaded. ;  | 11/14/2025 | The consumer's current debt obligations, alimony, and child support or other debt obligations were confirmed.; Regulation § XXXXX(c)(X)(vi) failure - The consumer's current debt obligations, alimony, and child support or other debt obligations were not confirmed and included in the DTI or excluded per lender guidelines.; Rooms to Go Documentation as well as XXX property received.  | 11/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> A<br> C |
| 409025186 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/30/2025 | Resolved | FCRE5774 | Credit | Borrower X Credit Report is Incomplete | Borrower XXX Credit Report is Partially Present. Missing the Full Credit Report dated XX/XX/XXXX with credit history, tradelines, etc.  | ; ; ; Documentation received, XXX to review.; Document Uploaded. ;  | 11/12/2025 | Borrower X Credit Report is not partially present. | 11/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> A<br> C |
| 409025186 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/30/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing the Mortgage History XXX bal $XXX with proof of the Principal, interest and insurance totaling $XXX per month for the property on XXX. | ; ; ; ;  | 11/12/2025 | Housing History Meets Guideline Requirements | 11/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> A<br> C |
| 409025186 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/30/2025 | Rescinded | FCOM1282 | Compliance | Texas FX Notice for Home Equity Disclosure is Missing | XXX Admin. Code §XXXX XX(f)(X)(d) - XXX Notice for Non-Home Equity Disclosure is not Provided. | ; ; ;  | 11/14/2025 | FX Disclosure is not required as prior lien was not a home equity loan.; X Tex. Admin. Code §XXXX XX(f)(X)(d) - XXX FX Notice for Non-Home Equity Disclosure is Provided or Not Applicable. | 11/14/2025 | D<br> A<br> C |
| 409025186 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/30/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing the XXX or XXX months Business Bank Statement Documentation. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; ; ; ;  | 11/14/2025 | Income and Employment Meet Guidelines; Source of large deposit received.; ; Income and Employment Do Not Meet Guidelines Missing source evidence of large deposit on XX/XX/XXXX bank statement totaling $XXX.  | 11/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> A<br> C |
| 409025186 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/29/2025 | Resolved | FCOM5556 | Compliance | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). Documentation Required to clear exception: Provide FACTA disclosure | ; ; Documentation received, XXX to review.; Document Uploaded. ;  | 11/12/2025 | FACTA Credit Score Disclosure is provided. | 11/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> A<br> B<br> C |
| 409025186 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/30/2025 | Resolved | FCRE1342 | Credit | Borrower X Business Bank Statements Missing | Borrower XXX Business Bank Statements Missing Missing the XXX or XXX months Business Bank Statement Documentation. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ;  | 11/12/2025 | Borrower X Business Bank Statements Provided | 11/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> A<br> C |
| 409025186 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/30/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | ; ; ; Email received, XXX to review. ; Document Uploaded. ; ; ;  | 11/12/2025 | Required Affiliated Business Disclosure Documentation Provided | 11/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> A<br> B<br> C |
| 409024271 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/07/2025 | Waived | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Borrower is a first time investor that intends to self manage the subject property, max LTV is XXX% | ;  | 11/13/2025 | Post closing exception granted per client . Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: No Mortgage Lates, XXX FICO, XXXX months reserves and XXX DSCR.  | 11/13/2025 | C<br> B<br> A |
| 409024271 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/03/2025 | Resolved | FCRE3000 | Credit | Borrower Rental Experience Not Within Guidelines | Borrower Rental Experience Not Within Guidelines | ; Please note formal exception approval preclose was not submitted. ;  | 11/07/2025 | Borrower Rental Experience Within Guidelines; Borrower Rental Experience Not Within Guidelines; Borrower Rental Experience Within Guidelines; Email exchange in file between XXX and lender suggest an exception was approved for borrower not meeting experience investor requirements. However, exception documentation was not provided. Please confirm. <br> ;  | 11/07/2025 | C<br> B<br> A |
| 409025970 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/31/2025 | Resolved | FCRE1479 | Credit | Asset X Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. The Borrower has one XXX account (#XXX) used for income qualification that is held jointly with her mother. Her mother is not on the Note or Mortgage and no XXX% access letter has been provided allowing the full use of these funds for the subject transaction. | ; ; Documentation received, XXX to review ; Document Uploaded. ; ; ;  | 11/20/2025 | Asset Record X Meets G/L Requirements | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> A<br> C |
| 409025970 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/31/2025 | Resolved | FCRE9549 | Credit | Missing Credit Report Supplement | The Borrower has XXX credit inquiries in the last XXX days. Per LOX in file, XXX of these inquiries resulted in new credit in addition to the subject loan. One of the accounts already appears on the credit report provided; however, a credit supplement for the new XXX account has not been provided to confirm minimum payment of $XXX/mo. | ; Documentation received in XXX review.; Document Uploaded. ;  | 11/20/2025 |  | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> A |
| 409026731 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/10/2025 | Waived | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. Borrower doesn't meet reserve requirement for first time investor. | ;  | 12/04/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) High FICO XXX, X) DSCR > XXXX, and X) Property new construction, good comparables. | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409026731 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/10/2025 | Waived | FCRE6100 | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX%. | ;  | 12/04/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) High FICO XXX, X) DSCR > XXXX, and X) Property new construction, good comparables. | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409026731 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/02/2025 | Waived | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% Borrower is a first time investor, maximum LTV of XXX%.  | ;  | 12/04/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) High FICO XXX, X) DSCR > XXXX, and X) Property new construction, good comparables. | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409026731 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/31/2025 | Waived | FCRE1728 | Credit | Missing rent comparable schedule form XXXX |  | ; ; ; Waive to grade B with compensating factors - X) XXX FICO X) XXX DSCR X) conservative credit user; Short term rental property. XXX supplied that provides market rental comparables, allowed in lieu of XXX.; ; ; ; ; ; ;  | 12/04/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) XXX FICO X) XXX DSCR X) conservative credit user; AIRDNA was provided however, the occupancy rate is XXX%. XXX DSCR vXXX guide requires a minimum rate of XXX%. Please provide a XXX or XXX Comparable rent survey prepared by the appraiser reflecting similar short term market rents.;  | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A |
| 409026731 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/31/2025 | Waived | FCRE1480 | Credit | Asset X Does Not Meet Guideline Requirements | Asset Record X Does Not Meet G/L Requirements XXX acct #XXX one month statement provided is incomplete-missing page XXX. Per Lender Guidelines XXX months recent statements required. | ; Meets originator guidelines. Waive to grade B with compensating factors - X) XXX FICO X) XXX DSCR X) conservative credit user; ; ; ; Document Uploaded. ; Documentation received, XXX to review.; ; ; ; ; ;  | 12/04/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose X) XXX FICO X) XXX DSCR X) conservative credit user; Full statement provided for August XXX. Missing second month statement as required per guidelines.; Full statement provided for August XXX. Missing second month statement as required per guidelines.  | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409026731 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/31/2025 | Rescinded | FCOM1114 | Compliance | Late Charge Percent is greater than X% | Late Charge Percent is greater than XXX% | ;  | 12/04/2025 | ; Not applicable for DSCR loan in XXX.  | 12/04/2025 | D<br> B<br> A |
| 409026731 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/31/2025 | Rescinded | FCOM1111 | Compliance | Late Charge Grace Period is less than XX days | Late Charge Grace Period is less than XXX days | ;  | 12/04/2025 | ; Not applicable for DSCR loan in XXX.  | 12/04/2025 | D<br> B<br> A |
| 409025180 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/03/2025 | Resolved | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% XXX% Reduction in LTV due to Inexperienced Investor overlays.  | ; ; ; Documentation received, XXX to review.; Document Uploaded. ; ; ;  | 11/13/2025 | Audited LTV of XXX% is less than or equal to Guideline LTV of XXX%; Lease agreements and LLC documentation showing borrower is an experienced investor provided. Property appears on Fraudguard provided showing chain of title. | 11/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409025180 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/04/2025 | Waived | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts Seller provided Fraud Report has alert for Non-Arm's Length Transaction. Borrower and Realtor share same surname. Per XXX DSCR vXXX guidelines, Non-Arm's length transactions are not permitted.  | ; ;  | 11/13/2025 | Post-closing exception for XXX - borrower related to their realtor per client via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) DSCR XXXX (min XXX required) X) XXX FICO (min XXX required) X) No credits given and commission paid by seller - subject listed on MLS. Seller owned property for XXX+ years before subject transaction | 11/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409025911 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/29/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within XXX days of application date XX/XX/XXXX, the privacy policy shows the lender has affiliates. <br>| ; Documentation received in XXX review.; Document Uploaded. ; ; Documentation received, XXX to review.; Document Uploaded. ;  | 11/14/2025 | Required Affiliated Business Disclosure Documentation Provided; Received confirmation lender has no affiliates; Please provide the affiliated business disclosure. A service provider list is what was uploaded instead | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> B<br> A |
| 409025966 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/29/2025 | Waived | finding-4038 | Compliance | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (XX CFR XXXXX(e)(X))The loan amount is $XXX or more, and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds $XXX; orThe loan amount is less than $XXX and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX. Fees included in testing: <br> Lender Fee paid by Borrower: $XXX<br> Mortgage Broker Fee paid by Borrower: $XXX<br> Points - Loan Discount Fee paid by Borrower: $XXX<br> Excluded Bona Fide Discount Points $XXX | ; Comment received, in XXX review.; This is a Non-QM loan and point and fees are under the XXX% threshold. ;  | 11/24/2025 | Client acknowledges EVX/B finding. Exception has been acknowledged and downgraded. | 11/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> C<br> A |
| 409025966 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/01/2025 | Resolved | FCRE8506 | Credit | Application Profile Missing | Missing required Business Narrative for XXX Expanded Bank Statement program  | ; Documentation received in XXX review.; Document Uploaded. ;  | 11/20/2025 | Business Narrative received  | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A<br> C |
| 409025966 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/01/2025 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Inquires within the last XXX days of closing were not addressed.  | ; Document Uploaded. ; Documentation received in XXX review.;  | 11/20/2025 | LOX for credit inquiries received.  | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A<br> C |
| 409026041 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/01/2025 | Waived | FCRE1479 | Credit | Asset X Does Not Meet Guideline Requirements | Asset Record X Does Not Meet G/L Requirements. XXX DSCR vXXX guidelines require two months of bank statements to verify assets. File only contains one month of bank statements for all assets provided. | ; ; ; ;  | 11/21/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX DSCR (Min .XXX); XXX% LTV (Max XXX%); XXX Fico (Min XXX); XXX mos Reserves (XXX mos Required). | 11/21/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> B<br> C<br> A |
| 409026041 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/01/2025 | Waived | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Missing LOE regarding credit inquiries. | ; XXX to review for exception.; Comment received, in XXX review.; NO DTI..so doesn't matter. DSCR loan ;  | 11/19/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX DSCR; XXX FICO; XXX% LTV; XXX mos PITIA reserves.; XXX Trust requires that all credit inquiries within XX days on the credit report be addressed.  | 11/21/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> B<br> A |
| 409026041 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/01/2025 | Resolved | FCRE3000 | Credit | Borrower Rental Experience Not Within Guidelines | Borrower Rental Experience Not Within Guidelines XXX DSCR vXXX guidelines, First time homebuyers (or first time obtaining a mortgage) are not permitted. Borrower is not on the mortgage statement for the primary residence and the mortgage does not appear on the credit report. <br> Experienced Borrower: A Borrower who has owned XXX (XXX) or more properties for at least XXX months during the most recent XXX-month period. XXX (XXX) property must be an income producing property (residential or commercial).<br>| ; Documentation received, XXX to review.; PRIMary not in borrowers name ;  | 11/17/2025 | Borrower Rental Experience Within Guidelines | 11/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> B<br> C<br> A |
| 409026041 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/01/2025 | Resolved | FCRE8506 | Credit | Application Profile Missing | Missing Borrower Contact Consent Form for Spouse. | ;  | 11/06/2025 | Client now accepts the loan application for the borrower contact information and consent to contact in lieu of a separate borrower contact consent form. This finding is resolved.  | 11/06/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> B<br> A |
| 409026691 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/31/2025 | Waived | FCRE1320 | Credit | Borrower X Personal Tax Returns Less Than XX Months Provided | Borrower X Personal Tax Returns Less Than XXX months Provided XXX Sch C in file. Provide complete XXX tax returns with signed page XXX | ; ; Allow one year tax return program with grade B and compensating factors X)XXX% DTI X) XXX FICO X) XXX% LTV.; ; Documentation received in XXX review.; Document Uploaded. Per Team, "The Original Investor this loan was underwritten for (prior to it being pulled for XXX Bulk purchase) allows one year XXX's. Section "Income/Full Doc(Continue)" Under Full Doc(XXX-Year). We used XXX's attached. ; ; ;  | 12/11/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X)XXX% DTI X) XXX FICO X) XXX% LTV.; Missing full XXX years tax returns as required by XXX Expanded Guidelines. XXX Tax returns, transcripts and YTD P&L provided. Missing complete XXX returns including all applicable schedules.<br> ; Missing full X years tax returns as required by XXX Expanded Guidelines. XXX Tax returns, transcripts and YTD P&L provided. Missing complete XXX returns including all applicable schedules. | 12/11/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409026691 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/31/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXX(e)(X)(i). TILA XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Flood Certification on LE XX/XX/XXXX. COC in file dated XX/XX/XXXX does not reference the increase in the flood certification fee. | ; Document Uploaded. ; Documentation received, XXX to review.; ; ; ; ; ; ; ;  | 12/11/2025 | Cure package provided to the borrower; exception downgraded to a X/B | 12/11/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409026744 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/31/2025 | Rescinded | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA XXXb Cure required, refund in the amount of $XXX with PCCD, LOE, Copy of Refund Check and Proof of delivery or a valid COC. The X% tolerance violation of $XXX is due to the addition of the Appraisal-Desk Review Fee for $XXX and the addition of the Appraisal-Reinspection Fee for $XXX on the revised LE dated XX/XX/XXXX. COC in file dated XX/XX/XXXX for the fee addition did not meet timing requirements since the LE was not disclosed to the borrowers till XX/XX/XXXX. Please provide a cure package. This loan failed the charges that cannot increase test. (XX CFR §XXXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXX(e)(X)(i). |  | 11/15/2025 | Investment loan with executed BPA in file. Meets trade requirements.  | 11/15/2025 | A |
| 409026744 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/30/2025 | Rescinded | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than XX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (XX CFR §XXXXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXXX(e)(X)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXXX(e)(X)(vi). TILA XXXb Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the recording fee, COC in file dated X/XX/XX/XXXX did not detail a valid reason for the fee increase. Please provide a valid COC or cure package. |  | 11/15/2025 | Investment loan with executed BPA in file. Meets trade requirements.  | 11/15/2025 | A |
| 409026685 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/07/2025 | Acknowledged | FCRE8201 | Credit | Loan does not conform to program guidelines | XXX Expanded Program Eligibility Guide vXXX does not allow Business Entity Borrowers. | ; Exception to allow closing in an entity with a personal guaranty with comp factors - X) low LTV XXX% X) high FICO XXX X) DTI more than XXX% below max XXX%; Personal Guaranty must be signed by the borrowers.; Business entity allowed to sign the note with an executed Personal Guaranty.; Is there a copy of the Personal Guaranty in the file. Cannot allow a waiver to allow an entity to sign the note without a corresponding Personal Guaranty.; ;  | 12/30/2025 | Waived per client. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) low LTV XXX% X) high FICO XXX X) DTI more than X% below max XXX%; Personal Guaranty is not signed by borrowers, only acknowledged and executed by notary. ; ; Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: High FICO of XXX, Low LTV XXX% and DTI below max | 12/30/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> B<br> C<br> A |
| 409026685 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/08/2025 | Resolved | FCRE2500 | Credit | Missing Personal Guaranty | Missing Personal Guaranty. Note is in the name of XXX. No personal guaranty agreement found in the loan file.  | ; Document Uploaded. Signed personal guaranty supplied.; Personal Guaranty must be signed by the borrowers.; Personal Guaranty must be signed by the borrowers.; ; We cannot accept unsigned Personal Guaranty to cure the finding.; ; ; ; Document Uploaded. ; Documentation received, XXX to review.; ; ;  | 12/30/2025 | Personal Guaranty received. ; Duplicate copy of unsigned agreement. Document is acknowledged and signed by notary, but not borrowers. Countered. ; Personal Guaranty provided.; Personal Guarantee not signed by borrowers, only notarized. Signed copy by borrowers required. ; Personal Guaranty provided. | 12/30/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> B<br> A |
| 409026690 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/08/2025 | Waived | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% Per XXX Expanded Eligibility Guide vXXX, qualifying FICO is lowest mid-score. Borrower's qualifying FICO is XXX; lender used highest mid-score of XXX. Max LTV for primary residence purchase with loan amount greater than $XXXM is XXX%. | ; ;  | 11/15/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) XXX% DTI, X) Highest mid-FICO XXX, and X) Residual income $XXX | 11/15/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> B<br> A |
| 409026738 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/07/2025 | Waived | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The loan file contains two appraisals, and one of them identifies the subject property's location as rural which makes it an ineligible property according to XXX Expanded DSCR vXXX guidelines.  | ; Waive to grade B with compensating factors X) XXX% LTV X) XXX DSCR X) XXX FICO; ; ; Two appraisals in file, one says rural, one says suburban. Property values increasing, shortage of supply, under XXX month marketing time. Very low LTV of XXX%.;  | 12/03/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) XXX% LTV X) XXX DSCR X) XXX FICO; No additional documentation provided for review. Finding remains as appraisal shows property as rural on one appraisal in file.  | 12/03/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> B<br> C<br> A |
| 409026738 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/08/2025 | Resolved | FCRE2500 | Credit | Missing Personal Guaranty | Missing Personal Guaranty. Note and Mortgage in name of XXX. No guaranty agreement found in the loan file.  | ; Documentation received in XXX review.; Document Uploaded. ;  | 11/25/2025 | Personal Guaranty provided. | 11/25/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> B<br> A<br> C |
| 409026729 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/31/2025 | Rescinded | FCOM1114 | Compliance | Late Charge Percent is greater than X% | Late Charge Percent is greater than XXX% Late charge percent captured per Note.<br>| ; ;  | 11/13/2025 | Not applicable to XXX DSCR loans.  | 11/13/2025 | A |
| 409026729 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/31/2025 | Rescinded | FCOM1111 | Compliance | Late Charge Grace Period is less than XX days | Late Charge Grace Period is less than XXX days Late charge grace period captured per Note.<br>| ;  | 11/13/2025 | Not applicable to XXX DSCR loans.  | 11/13/2025 | A |
| 409026694 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/09/2025 | Waived | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% Departing residence feature utilized by lender:<br> XXX with PITIA of $XXX. Letter of intent in file states XXX will be rented out within XXX days. Audited DTI includes this PITIA; the lender did not include this PITIA. <br> XXX - owned free and clear - borrower will list and sell within XXX days. T&I included in DTI. <br> The loan file does not contain any additional qualifying documentation to omit the PITIA for XXX from the DTI. Documentation provided does not meet guideline requirements.  | ; Documentation and comments received, XXX to review.; ; Document Uploaded. Attached is XXX that shows EST value at $XXX ; Waiver granted to allow use of zillow valuation to meet departure residence guidelines. Comp factors X) Stable job history X) good reserves X) excellent residual income; ; Per Team, "The Original Investor this loan was underwritten for (prior to it being pulled for XXX Bulk purchase) allows us to exclude XXX with PITIA of $XXX, with a Letter of intent to rent out property within XXX days if the borrower has XXX months reserves. Which the borrower does have."; Comment received, in XXX review.; ; ; ;  | 12/01/2025 | Client is allowing use of XXX valuation to meet departure residence guideline requirement. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) Stable job history X) good reserves X) excellent residual income.; Audited DTI of XXX% is less than or equal to AUS DTI of XXX%;  | 12/01/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 409026694 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/04/2025 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Departing residence feature utilized by lender without supporting documentation to omit PITIA from DTI calculation.  | ; ; ; ; ;  | 12/01/2025 | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | 12/01/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 409026692 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/03/2025 | Rescinded | FCRE8611 | Credit | Income/Employment General | XXX personal tax returns or evidence of extension not provided |  | 11/13/2025 | Documentation is contained in the loan file.  | 11/13/2025 | A |
| 409025152 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/03/2025 | Waived | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Per XXX Expended Program Eligibility Guide vXXX; property must be removed from listing for at least one month prior to application. The appraiser noted that the subject property listed for sale was removed from the market on XX/XX/XXXX. This removal occurred only XXX days before the loan application date of XX/XX/XXXX, falling short of the XXX-day requirement.  | ; Please waive condition on exception for B grade. <br>Exception to allow property listed in the past XXX months approved. Appears borrower had a higher valuation of property based on listed price compared to appraisal. Current lease for the next year in place.<br>Comp factors:<br> - XXX DSCR<br> - XXX+ mo reserves<br> - XXX FICO; Please review our response from XX/XX/XXXX.; ; Condition to be reopen by DD - Pending exception review; Unable to Resolve-This requirement is kind of hidden in the guidelines. It is more common for us to use closing date - this was off the market before the closing date. We may need to request an exception on this one. ;  | 12/15/2025 | Waived per client. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX DSCR - XXX+ mo reserves - XXX FICO; Client approved exception to guidelines to allow property listed in the past X months stating that it appears the borrower had a higher valuation of property based on listed price compared to appraisal. Current lease for the next year in place. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX DSCR, XXX+ months of reserves, and XXX FICO.;  | 12/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409025152 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/03/2025 | Resolved | FCOM1208 | Credit | The Note is Incomplete | The Note is Incomplete The Note is calculated using Simple Interest, which is an ineligible product per guidelines. The Note must be recalculated using Actuarial Interest. |  | 11/04/2025 | The Note is Present; Note was reviewed by client, including post-purchase operations director, and the language has been deemed standard, and not simple interest. Finding is resolved. ; ;  | 12/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C |
| 409025152 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/03/2025 | Resolved | FCRE2008 | Credit | Rent Loss Coverage Not Sufficient | The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is selected as No, indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. Per XXX Expended Program Eligibility Guide vXXX, all loans require rent loss insurance covering a minimum of XXX months for the subject property for the greater of in-place or market rent during disruption. The policy provided indicates rent loss coverage for actual losses sustained for up to XXX months, but it does not specify the amount or calculation method. Please provide the specific dollar amount or maximum payout cap (if any) for the rent loss coverage. |  | 11/04/2025 | Loss Rent Coverage is Sufficient | 12/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409025152 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/03/2025 | Resolved | FCRE1182 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. File is missing Loan Approval or Uniform Underwriting and Transmittal Summary (XXX). | ; Documentation received, XXX to review.; Document Uploaded. ; Unable to locate an underwriting approval/summary in file. Please upload for review.;  | 12/01/2025 | Approval/Underwriting Summary is fully present | 12/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C |
| 409025152 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/03/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Seller did not provide a fraud report. Only SmartLinx Person Report from LexisNexis in the file, which is not sufficient.  | ; Document Uploaded. Documentation received in XXX review.; How do we handle situations where XXX returns no result for the LLC? This happens occasionally for newly-formed entities. The file contains a screenshot of XXX showing no search results for that entity. ; The certificate of good standing is in the file. | 11/21/2025 | Third Party Fraud Report is provided; ;  | 12/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C |
| 409025152 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/03/2025 | Resolved | FCRE8201 | Credit | Loan does not conform to program guidelines | The Commercial Note is outside XXX DSCR guidelines.  | ;  | 11/21/2025 | Client has approved commercial notes from this Seller for XXX DSCR vXXX. Finding is resolved. | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409025152 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/03/2025 | Resolved | FCRE8506 | Credit | Application Profile Missing | The file is missing the required Borrower Contact Consent Form.  | ;  | 11/06/2025 | Client now accepts the loan application for the borrower contact information and consent to contact in lieu of a separate borrower contact consent form. This finding is resolved. | 11/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C |
| 409025161 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409025184 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/03/2025 | Resolved | FCRE1145 | Credit | Title Document Missing | Title Document is missing Missing title document.  | ; Documentation received, XXX to review.; Document Uploaded. ;  | 11/14/2025 | Title Document is fully Present | 11/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409025184 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/03/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements XXX DSCR vXXX guidelines require housing history reflect XXX. Borrower's credit report reflects two mortgages last pay date of XX/XX/XXXX with XXX and subject loan closed XX/XX/XXXX. Missing verification mortgages are current and a complete XXX months mortgage history for borrower's primary residence as the credit report only provides XXX months verification.  | ; Documentation received, XXX to review.; Document Uploaded. waiting for supplement regarding XXX-month mtg history.; ; ; ; ; ;  | 11/14/2025 | Housing History Meets Guideline Requirements | 11/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 409025184 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/03/2025 | Resolved | FCRE1241 | Credit | Purchase Contract is Missing | Loan Purpose is Purchase but Purchase Contract Doc is Missing |  | 11/05/2025 | Purchase Contract Doc is not Missing, or is Not Applicable.; Loan Purpose is Purchase but Purchase Contract Doc is Missing; Purchase Contract Doc is not Missing, or is Not Applicable. | 11/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409026052 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/04/2025 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts Provide a Lender fraud report with all high alerts cleared.  | ; Documentation received in XXX review.; Document Uploaded. ;  | 11/25/2025 | All Fraud Report Alerts have been cleared or None Exist | 11/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> B<br> C<br> A |
| 409026052 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/04/2025 | Resolved | FCRE1241 | Credit | Purchase Contract is Missing | Loan Purpose is Purchase but Purchase Contract Doc is Missing | ; Documentation received in XXX review.; Document Uploaded. ;  | 11/25/2025 | Purchase Contract Doc is not Missing, or is Not Applicable. | 11/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> B<br> A |
| 409026052 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/04/2025 | Resolved | FCRE5782 | Credit | Borrower X Gap Credit Report is Missing | Borrower XXX Gap Credit Report is Missing The loan file contains signed Inquiry Letters from the borrower regarding the following inquiries which are not reflected on the credit report dated XX/XX/XXXX in the loan file: XXX, XXX & XXX and XXX on XXX. Provide Gap credit report with updated inquiries.  | ; Documentation received in XXX review.; Document Uploaded. ;  | 11/25/2025 | Borrower X Gap Credit Report is not missing. | 11/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> B<br> A |
| 409026052 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/04/2025 | Waived | FCRE1481 | Credit | Asset X Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements The loan file contains a printout with XXX ending XXX which covers the time period of XXX - XXX and a statement which covers XXX - XXX. FNMA guidelines require XXX months bank statements. Provide an additional, consecutive bank statement to satisfy a XXX months guideline requirement. | ; ;  | 11/25/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX% DTI(Max XXX%); XXX Fico (Min XXX) | 11/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> B<br> C<br> A |
| 409026052 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/04/2025 | Rescinded | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The loan file contains one statement breaking down the PITIA payment and a printout from a XXX printout account ending XXX which reflects a payment to acct XXX on XXX and XXX. Provide a XXX months recent mortgage history for the OREO at XXX. | ; ;  | 11/25/2025 | Documentation contained in the loan file supports this mortgage is paid by LLC.  | 11/25/2025 | D<br> B<br> A |
| 409026579 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/04/2025 | Resolved | FCRE1182 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 11/30/2025 | Approval/Underwriting Summary is fully present | 11/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A<br> B |
| 409026579 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/05/2025 | Resolved | FCRE8201 | Credit | Loan does not conform to program guidelines | Commercial mortgage is outside of XXX Expanded DSCR vXXX guidelines.  | ;  | 11/24/2025 | XXX has approved the use of commercial notes for XXX Expanded DSCR Guidelines.  | 11/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 409025725 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/04/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines | ; Documentation received, XXX to review.; Document Uploaded. Attaching the XXX account statements here as well as the signed Business Narrative. Thank you.; ; Documentation received, XXX to review.; Document Uploaded. Please see the attached Business Bank Statements here and the XXX previously uploaded. I also uploaded a Final VOE. Thank you; ;  | 11/17/2025 | Income and Employment Meet Guidelines; Missing Business Narrative as required by XXX Expanded Program Guidelines. Bank statements and VOE provided showing borrower is owner of XXX, but business narrative not provided or in original file.; Income and Employment Do Not Meet Guidelines | 11/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C<br> B |
| 409025725 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/30/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | ; Documentation received, XXX to review.; Document Uploaded. Hello. Please see the attached E-Consent. Thank you.; ;  | 11/13/2025 | Evidence of eConsent is provided. | 11/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> B |
| 409025725 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/03/2025 | Resolved | FCRE1316 | Credit | Borrower X 3rd Party VOE Prior to Close Missing | Borrower X 3rd Party VOE Prior to Close Missing Borrower is self-employed. Guidelines require completed VVOE to prove existence of business for self-employed borrower, however, it is missing from the file. Please provide prior to close self-employed VVOE as required by guidelines. | ; Documentation received, XXX to review.; Document Uploaded. Hello. Please see the attached VOE. Thank you.; ;  | 11/13/2025 | Borrower X 3rd Party VOE Prior to Close Was Provided | 11/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> B |
| 409025725 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/04/2025 | Resolved | FCRE1342 | Credit | Borrower X Business Bank Statements Missing | Borrower X Business Bank Statements Missing Loan approval is based on XX-mos business bank statements, however, file is missing bank statements used to calculate income. Please provide XX-mos business bank statements as required per guidelines for income calculation. | ; Documentation received, XXX to review.; Document Uploaded. Hello. Please see the attached business bank statements. Thank you.; ;  | 11/13/2025 | Borrower X Business Bank Statements Provided | 11/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> B |
| 409025725 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/03/2025 | Resolved | FCRE5809 | Credit | Missing evidence of self employment | Evidence borrower is XXX% or more ownership of XXX since XX/XX/XXXX was not provided.  | ; ;  | 11/13/2025 | Evidence of Self-employment provided.  | 11/13/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> B |
| 409027016 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/05/2025 | Resolved | FCRE8201 | Credit | Loan does not conform to program guidelines | Lender approved exception noted but not documented in the loan file.  |  | 12/08/2025 | Exception documentation provided. ; Document Uploaded.  | 12/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409027016 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/08/2025 | Waived | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation:  |  | 12/08/2025 | Waived per client request. Client accepts risk for B grade.; The client approved an exception to guidelines for property in USDA Rural Area (although the appraisal identifies the subject as suburban). Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DSCR ratio is at XXX, reserves, and large resort area.  | 12/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409024391 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/04/2025 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. Documentation to support the cash-out proceeds from the refinance of XXX is required to validate the transaction and reconcile the insufficient funds of $XXX. | ; Document Uploaded. Documentation received, XXX to review ; ;  | 11/20/2025 | Audited Reserves of $XXXX are equal to or greater than AUS Required Reserves of $XXX. | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 409024391 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/04/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Documentation to support the cash-out proceeds from the refinance of XXX is required to validate the transaction and reconcile the insufficient funds of $XXX. | ; Document Uploaded. Documentation received, XXX to review. ; Condition updated - please advise if refinance for XXX didn't take place or if we are missing proceeds from that transaction. ; Documentation received, XXX to review. ; Document Uploaded. ; ;  | 11/20/2025 | Asset Qualification Meets Guideline Requirements; Asset Qualification Does Not Meet Guideline Requirements; File is short of required reserve assets. XXX statements were provided in original file. XXX DSCR program allows for XXX% of XXX vested balances to utilized. Short $XXX | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 409026574 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/05/2025 | Resolved | FCRE5770 | Credit | Borrower X Credit Report is Missing | Borrower X Credit Report is Missing. | ; ; Documentation received, XXX to review.; Document Uploaded. ;  | 11/12/2025 | Borrower X Credit Report is not missing.; Borrower X Credit Report received. | 11/12/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> A |
| 409026574 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/05/2025 | Resolved | FCRE5771 | Credit | Borrower X Credit Report is Missing | Borrower X Credit Report is Missing. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 11/12/2025 | Borrower X Credit Report is not missing. | 11/12/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> A |
| 409026574 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/05/2025 | Rescinded | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete DOT is not signed by all borrowers.  | ; ;  | 11/06/2025 | ; The Deed of Trust is Present and Complete | 11/06/2025 | D<br> A |
| 409024017 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/03/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA XXXb Cure required: Cure of $XXX required for increase in Final Inspection fee from $XXX to $XXX. COC provided insufficient as valid change. Cure requires PCCD, LOE, and copy of refund check. This loan failed the charges that cannot increase test. (XX CFR §XXXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXX(e)(X)(i). | ; Documentation received, XXX to review.; Document Uploaded. ;  | 11/19/2025 | Cure package provided to the borrower; exception downgraded to a X/B; Cure package provided to the borrower; exception downgraded to a X/B | 11/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409023443 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409025687 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/04/2025 | Resolved | FCRE7347 | Credit | Missing Lease Agreement | XXX DSCR vXXX Guidelines state: For refinance transactions, single family properties must be leased at the time of closing, and the borrower must provide evidence that the property has been leased. The subject is a tenant occupied single-family property, and missing the lease agreement for the subject property. | ; Documentation received in XXX review.; Document Uploaded. ;  | 11/20/2025 | Lease agreement provided.  | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409025700 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/04/2025 | Waived | FCRE1479 | Credit | Asset X Does Not Meet Guideline Requirements | Asset Record X Does Not Meet G/L Requirements. XXX DSCR vXXX guidelines require two months of bank statements to verify assets. File only contains one month of bank statements for XXX acct #XXX., and the statement provided does not identify the borrower. | ; ;  | 12/05/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX DSCR (Min XXXx); XXXX mos reserves (min X mos required). | 12/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409025700 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/04/2025 | Waived | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage All loans require rent loss insurance covering a minimum of XXX months for the subject property for the greater of in place or market rent during disruption. | ; ;  | 12/05/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX% LTV; XXX DSCR; XXX FICO; XXXX Mos PITIA reserves. | 12/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A |
| 409025700 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/04/2025 | Resolved | FCRE8201 | Credit | Loan does not conform to program guidelines | XXX DSCR vXXX guidelines, Income-Producing Property Evidence (for at least one property): Executed lease/rental agreement, Rent roll (for commercial or multifamily properties), Property management statements, Business license and income documentation (for owner-operated commercial property). | ;  | 12/05/2025 | Borrower meets guidelines requirements for first time investor who intends to self-manage.  | 12/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409025700 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/04/2025 | Resolved | FCRE1156 | Credit | Named Insured on Hazard Insurance does not match Borrower(s) Name(s) | Named Insured does not match Borrower(s) Name(s) Note shows name as XXX, insurance policy shows it as XXX. | ; Documentation received in XXX review.; Document Uploaded. ;  | 11/24/2025 | Named Insured matches Borrower(s) Name(s) | 12/04/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409025700 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/04/2025 | Resolved | FCRE1155 | Credit | Subject Property Address on Note does not match Insured Property Address | Subject Property on Note does not match Insured Property Address Note shows the street name as XXX, insurance policy shows it as XXX | ; Documentation received in XXX review.; Document Uploaded. ;  | 11/24/2025 | Subject Property on Note matches Insured Property Address | 12/04/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409025700 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/04/2025 | Resolved | FCRE7347 | Credit | Missing Lease Agreement | XXX DSCR vXXX Guidelines state: For refinance transactions, single family properties must be leased at the time of closing and the borrower must provide evidence that the property has been leased. The subject is a vacant single family property, and there is no evidence that the property has a lease in place. | ; Documentation received in XXX review.; Document Uploaded. ;  | 11/20/2025 |  | 11/20/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A |
| 409026608 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/03/2025 | Resolved | FCRE1964 | Credit | Missing income documentation | The borrower resides in XXX and owns a business in XXX borrower recently moved from XXX residence. Lender to provide a signed letter of explanation from the borrower detailing how the business will be maintained while living XXX miles away.  | ; ; Documentation received in XXX review.; Document Uploaded. ;  | 11/24/2025 |  | 11/24/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409026608 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/03/2025 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The final XXX indicates borrower's primary residence is XXX and a mortgage payment is disclosed on the REO section, a current mortgage statement verifying terms and credit supplement verifying payment history was not found in the file, Lender to provide.  | ; Documentation received in XXX review.; Document Uploaded. primary residence address corrected to XXX. ;  | 11/14/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | 11/23/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409026608 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/03/2025 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts The following high alerts are reported on the Fraud Report and were not cleared, supporting documentation was not found in the file, Lender to provide the following:<br>- High alert - Borrower has additional loan applications on different properties with Lender - provide evidence applications are cancelled<br> - High alert - A new loan was reported as registered with MERS and is shown as borrower's primary residence, Lender to provide documents verifying terms and if applicable a payment history<br> - High alert - Undisclosed REO - the following properties are listed and owner's name matches borrower's name as documented on ID and title for properties already owned by the borrower. Lender to provide evidence the borrower has no ownership<br> &nbsp;&nbsp;&nbsp;&nbsp;\*XXX<br> &nbsp;&nbsp;&nbsp;&nbsp;\*XXX<br> &nbsp;&nbsp;&nbsp;&nbsp;\*XXX<br> &nbsp;&nbsp;&nbsp;&nbsp;\*XXX<br>NOTE: If properties are owned by the borrower, Lender to provide evidence of PITIA.  | ; Documentation received, XXX to review.; Document Uploaded. ;  | 11/17/2025 | All Fraud Report Alerts have been cleared or None Exist | 11/23/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 409026608 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/03/2025 | Resolved | FCRE1479 | Credit | Asset X Does Not Meet Guideline Requirements | Asset Record X Does Not Meet G/L Requirements. The following deposits were made in XXX account ending in XXX and included as income, the deposit description varies from the other regular deposits and do not appear on every statement. Lender to provide source information for the following deposits coded as XXX:<br>-$XXX XX/XX/XXXX<br> -$XXX XX/XX/XXXX<br> -$XXX XX/XX/XXXX<br>| ; Documentation received, XXX to review.; Document Uploaded. ;  | 11/14/2025 | Asset Record X Meets G/L Requirements | 11/23/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 409026608 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/03/2025 | Resolved | FCRE1480 | Credit | Asset X Does Not Meet Guideline Requirements | Asset Record X Does Not Meet G/L Requirements A mortgage payment in the amount of $XXX to XXX is listed on the borrower's XXX account ending in XXX and was not documented by the lender, provide evidence the borrower is not obligated on the mortgage.  | ; Documentation received, XXX to review.; Document Uploaded. ;  | 11/14/2025 | Asset Record X Meets G/L Requirements Or Not Applicable | 11/23/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 409026608 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/04/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements No housing history on file for OO property XXX. XXX. This property is listed as an Investment property on the REO, however is also listed as the primary Owner Occupied. Please provide a letter of explanation or a corrected final XXX to reflect property as primary.  | ;  | 11/14/2025 | Housing History Meets Guideline Requirements | 11/23/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 409025085 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/05/2025 | Waived | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Missing letter of explanation for the X credit inquiries showing on the origination credit report. | ; XXX to review for possible exception.; Comment received, in XXX review.; This is a DSCR loan, this is not required in guidelines. ;  | 11/24/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXXx DSCR; XXX FICO; XXXX mos PITIA; XXX Trust requires all inquiries on the credit report with in XX days to be addressed.  | 11/24/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A |
| 409025085 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/05/2025 | Waived | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements XXX DSCR vXXX guidelines require asset statements covering XXX months. The file only contained XXX months for each of the asset accounts. | ; ; ;  | 11/24/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX Fico, XXXX mos reserves. | 11/24/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409024802 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/31/2025 | Waived | finding-4038 | Compliance | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (XX CFR XXXXX(e)(X))The loan amount is $XXX or more, and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds $XXX; orThe loan amount is less than $XXX and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX. The following fees were included in testing: $XXX Discount points; $XXX Loan origination fee; $XXX final Documents | ; ;  | 11/20/2025 | Client acknowledges EVX/B finding. Exception status changed to Waived per client's email request. | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> C<br> A |
| 409024802 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/06/2025 | Resolved | FCRE8506 | Credit | Application Profile Missing | Missing business narratives for XXX. | ; Documentation received in XXX review.; Document Uploaded. ; ; Documentation received in XXX review.; Document Uploaded. ;  | 11/20/2025 | ; website capture does not meet the requirements for a business narrative for the XXX Expanded bank statement program. Must be prepared by the borrower explaining at minimum the nature of the business, operations and must include the number of full time employees and or contractors, | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A<br> C |
| 409024802 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/31/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Provide the Affiliated Business Disclosure dated within XXX days of application XX/XX/XXXX. | ; Documentation received in XXX review.; Document Uploaded. ;  | 11/12/2025 | Required Affiliated Business Disclosure Documentation Provided | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A<br> C |
| 409024802 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/06/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (XX CFR XXXXXXX(a)(X)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX CFR XXXXX(a)(X)). | ; ; Documentation received in XXX review.; Document Uploaded. ;  | 11/12/2025 | Evidence of appraisal delivery provided. | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A<br> C |
| 409024839 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/31/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Per the Privacy Notice disclosure, XXX has affiliates. Provide the Affiliated Business disclosure dated within XXX business days of application XX/XX/XXXX. | ; Documentation received in XXX review.; Document Uploaded. ;  | 11/18/2025 | Required Affiliated Business Disclosure Documentation Provided | 11/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 409026254 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/04/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The Borrower's CTC is coming from a XXX from the sale of her previous residence. The Borrower held this asset jointly with her spouse. Her spouse is not on the subject loan or signing as a non-borrowing spouse. XXX% access letter is required to confirm the spouse has given the borrower full access to these funds for the purchase of the subject. | ; ; Documentation received in XXX review.; Document Uploaded. ;  | 11/26/2025 | Asset Qualification Meets Guideline Requirements | 11/26/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C<br> B |
| 409026254 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/31/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Document Required: Provide the affiliated business disclosure dated within XXX business days of application XX/XX/XXXX.<br>| ; Documentation received, XXX to review.; Document Uploaded. ;  | 11/10/2025 | Required Affiliated Business Disclosure Documentation Provided | 11/20/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> B |
| 409026254 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/04/2025 | Resolved | FCRE1328 | Credit | Borrower X WX/XXXX Missing | Borrower X WX/XXXX Missing. Per XXX Expanded Alt Doc VXXX GLs, XXX Years XXXs and YTD P&L are required when approved under the XXX program. The file contains the YTD P&L but not the XXXs. | ; Documentation received in XXX review.; Document Uploaded. ; ;  | 11/17/2025 | Borrower X WX/XXXX Provided | 11/20/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> B |
| 409026254 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/04/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Per XXX Expanded Alt Doc VXXX GLs, XXX Years XXXs and YTD P&L are required when approved under the XXX program. The file contains the YTD P&L but not the XXXs. | ; Documentation received in XXX review.; Document Uploaded. ;  | 11/17/2025 | Income and Employment Meet Guidelines | 11/20/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C<br> B |
| 409026254 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/04/2025 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The Borrower owned her previous primary residence with her spouse; however, the mortgages against that property were only in her spouse's name. This resulted in the borrower having no recent housing history. The borrower is also using the XXX Exchange funds from that property to purchase the subject. Lender to provide housing history on the mortgages against borrower's previous primary residence. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 11/17/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | 11/20/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> B |
| 409028985 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/31/2025 | Resolved | FCOM1114 | Compliance | Late Charge Percent is greater than X% | Late Charge Percent is greater than XXX% Late charge is XXX% per the note. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/12/2025 | XXX% allowed per state code | 12/12/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 409028981 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/31/2025 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (XX CFR §XXXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXX(e)(X)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXX(e)(X)(i). TILA XXXb Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. The file is missing the COC for the decrease of Lender Credits. The Initial CD dated XX/XX/XXXX has the Lender Credits as $XXX, and the Final CD has Lender Credits of $XXX with no valid COC for the decrease found in file  | ; Documentation received, XXX to review.; Document Uploaded. ;  | 11/14/2025 | Client provided copy of missing COC from the file. Exception resolved; Client provided copy of missing COC from the file. Exception resolved | 11/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 409025164 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/05/2025 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing Verification of Rent (VOR). | ; Documentation received, XXX to review.; Document Uploaded. ;  | 11/14/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | 01/08/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> B<br> A<br> C |
| 409025164 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/31/2025 | Cured | finding-3716 | Compliance | CA Per Diem Interest Amount Test | This loan failed the per diem interest amount test. (CA Bus. Prof. Code §XXXX)The per diem interest amount charged on the loan ($XXX) exceeds the per diem interest charge or credit threshold ($XXX).PLEASE NOTE: An additional $X 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. Interest collected date was XX/XX/XXXX, a XXX, with a disbursement date of XX/XX/XXXX, a XXX. XXX days interest are required to be refunded. | ; ; Document Uploaded. Refund docs to the client have been uploaded; Documentation received in XXX review.;  | 11/24/2025 | Cure package provided to the borrower; exception downgraded to a X/B | 11/24/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> B<br> C<br> A |
| 409025164 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/31/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXX(e)(X)(i). TILA XXXb 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 Program Fee of $XXX was added on the CD issued XX/XX/XXXX. The file does not contain a valid COC for the addition of the fee. <br>| ; Document Uploaded. Fee associated with a Change in the program. LE, COC, & Audit log uploaded ; Documentation received, XXX to review.;  | 11/14/2025 | Valid COC with applicable LE provided; exception resolved | 11/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> B<br> C<br> A |
| 409026399 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/03/2025 | Rescinded | FCRE1205 | Credit | OFAC Check Not Completed and/or Cleared | OFAC Check Not Completed and/or Cleared OFAC check not provided by seller. | ;  | 11/07/2025 | Docs are contained in the loan file. ; OFAC Check Completed and Cleared | 11/07/2025 | D<br> A |
| 409026399 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/03/2025 | Rescinded | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Missing seller exclusionary list check from loan file | ;  | 11/07/2025 | Docs are contained in the loan file. ; All Interested Parties Checked against Exclusionary Lists | 11/07/2025 | D<br> A |
| 409026399 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/03/2025 | Resolved | FCRE2109 | Credit | Missing Lender Income Calculation Worksheet | Unable to locate the DSCR worksheet in the file | ;  | 11/07/2025 | ; Document Uploaded. Lock with XXX provides DSCR  | 11/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409029160 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/31/2025 | Rescinded | FCOM1111 | Compliance | Late Charge Grace Period is less than XX days | Late Charge Grace Period is less than XXX days Executed Note discloses that the monthly payment is due by the end of the fifth calendar day after the due date. | ;  | 12/15/2025 | Meets requirements for DSCR loan in NJ. Finding is rescinded.  | 12/15/2025 | A |
| 409029160 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/31/2025 | Rescinded | FCOM1114 | Compliance | Late Charge Percent is greater than X% | Late Charge Percent is greater than XXX% Executed Note discloses the late charge which is an amount equal to the lesser of XXX cents ($XXX) for each dollar ($XXX) that is not paid when due (XXX%), or maximum charged allowed under Applicable Law. | ;  | 12/15/2025 | Meets requirements for DSCR loan in NJ. Finding is rescinded.  | 12/15/2025 | A |
| 409025171 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/05/2025 | Waived | FCRE6100 | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX%. Seller concessions of $XXX exceeds interested party contribution guideline maximum of XXX% ($XXX) for investment properties.  | ;  | 11/12/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX DSCR; XXX FICO; XXX mos PITIA reserves. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409025171 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/05/2025 | Rescinded | FCRE8201 | Credit | Loan does not conform to program guidelines | Commercial note is outside of XXX DSCR vXXX guidelines. | ; ;  | 11/12/2025 | The note is not commercial. Finding is rescinded.  | 11/12/2025 | C<br> B<br> A |
| 409026241 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing required evidence of business in good standing and length of existence via CPA verification or third party government agency  | ; ; Documentation received in XXX review.; Document Uploaded. ;  | 11/26/2025 | Income and Employment Meet Guidelines - Third party verification of business received. | 11/26/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 409026241 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | 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 Borrower is purchasing the subject property from his landlord. The Lender GLs permit non-arm's length transaction provided the rental payments have been verified for at least XXX months. The file contains a statement from the borrower's bank confirming XXX months plus XXX months bank statements to fulfill this verification requirement.  |  | 11/06/2025 | Purchase is considered to be an Arm's Length Transaction, or Not Applicable; Loan is a non-arm's length transaction, however meets guidelines requirements; ;  | 11/26/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 409026241 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/03/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XX CFR §XXXXX(f)(X)(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 §XXXXX(f)(X)(i) no later than three business days before consummation. Documentation required to clear exception: This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XX CFR §XXXXX(f)(X)(ii). The initial CD is missing from the loan file. The earliest CD in the loan file was issued on XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XX/XX/XXXX.<br>| ; Documentation received in XXX review.; Document Uploaded. ICD attached; ; Documentation received in XXX review.; Document Uploaded. ICD and receipt;  | 11/20/2025 | Initial CD provided; exception resolved; Initial CD provided; exception resolved; The initial CD is missing from the loan file. The earliest CD in the loan file was issued on XX/XX/XXXX and signed at consummation. The disclosure tracking shows a CD was sent out on XX/XX/XXX but no copy was found in the file. The violation can be cured by providing the initial CD | 11/20/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 409024834 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/06/2025 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | The credit report dated XXX reflects an inquiry on XXX. Provide an LOX indicating if any new debt was acquired and reason for the inquiry.  | ; Documentation received in XXX review.; Document Uploaded. ;  | 11/18/2025 | LOE for credit inquiries provided.  | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A |
| 409024834 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/03/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | ; Documentation received in XXX review.; Document Uploaded. ;  | 11/18/2025 | Required Affiliated Business Disclosure Documentation Provided | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A |
| 409024834 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/06/2025 | Waived | FCRE8201 | Credit | Loan does not conform to program guidelines | The loan file contains an approved exception due to XXX months lease agreements on the subject property vs XXX months minimum term as required per guidelines. Allowance of XXX months lease agreements are based on the following compensating factors: Loan must meet all XXX DSCR program guidelines. Minimum DSCR is XXXx. Must use lower actual rents per leases in file to calculate DSCR. All factors have been adhered to. Additionally, the lease agreement for Unit XXX expires on XXX. A XXX months extension of lease in the loan file through XXX. The lease agreement for Unit XB expires on XXX. A XXX months extension of lease in the loan file through XXX. |  | 11/07/2025 | Client approved exception to guidelines for B grade. Client accepts risk for B grade. | 11/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409025158 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/06/2025 | Waived | FCOM1233 | Credit | The Final XXXX is Incomplete | The Final XXX is Incomplete The final application only reflects the subject property and the borrowers primary residence. The credit report shows XXX mortgages. One mortgage belongs to the primary residence. Matched another mortgage with XXX found on the fraud guard. Provide a corrected final application with all properties and affiliated mortgages disclosed.  | ;  | 11/24/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX DSCR; XXX FICO; XXX mos PITIA reserves. | 11/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A |
| 409025158 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/06/2025 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts Fraud Report reflects Occupancy and Undisclosed debt high alerts. The application only reflects the primary residence and the subject property. The credit report reflects a total of XXX mortgages. XXX acct ending XXX is on the primary residence. XXX ending XXX appears to belong to REO on Fraud Report XXX. Provide a Fraud Report with all high alerts cleared.  | ; Documentation received in XXX review.; Document Uploaded. Underwriter addressed this on UW Summary: DSCR file; REOs and additional loans registered not taken into account unless on subject or primary.;  | 11/20/2025 | All Fraud Report Alerts have been cleared or None Exist | 11/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409025158 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/06/2025 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | The credit report dated XX/XX/XXXX reflects XXX inquiries on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Provide explanation and if new debt was acquired as a result of the credit inquiries.  | ; Comment received, in XXX review.; LOX for inquiries not required for this DSCR loan program ;  | 11/20/2025 |  | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A |
| 409025732 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/06/2025 | Waived | FCRE2008 | Credit | Rent Loss Coverage Not Sufficient | The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is selected as No, indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. Missing sufficient rent loss coverage of XXX months for the subject property for the greater of in place or market rent during disruption. Policy states $XXX total.  | ; ;  | 11/24/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX DSCR; XXX FICO; XXX Mos PITIA Reserves | 11/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409025732 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/06/2025 | Waived | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Missing LOE for credit inquiries dated XXX days from the credit report.  | ;  | 11/24/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX DSCR; XXX FICO; XXX Mos PITIA Reserves | 11/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A |
| 409025732 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/06/2025 | Waived | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing required two full months of asset verification for all sources  | ;  | 11/24/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX DSCR; XXX FICO; XXX Mos PITIA Reserves | 11/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409026217 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/06/2025 | Resolved | FCOM8804 | Credit | Missing Loan program disclosure | Missing business EIN information.  | ; Documentation received in XXX review.; Document Uploaded. ;  | 11/18/2025 | Documentation provided.  | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409026217 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/06/2025 | Waived | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Two full months of asset verification is required for XXX DSCR vXXX guidelines. File contains one month of statements from all sources. | ;  | 11/18/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXXx DSCR, XXX FICO, XXX mos PITIA reserves. | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409026573 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/03/2025 | Resolved | finding-4035 | Compliance | Qualified Mortgage Interest Only Test | This loan failed the qualified mortgage interest only test. (XX CFR XXXXX(e)(X)(i)(B))A qualified mortgage is a covered transaction that provides for regular periodic payments that are substantially equal, except for the effect that any interest rate change after consummation has on the payment in the case of an adjustable-rate or step-rate mortgage, that does not allow the consumer to defer repayment of principal.This loan is an interest only loan or a graduated payment mortgage. Non QM | ;  | 11/18/2025 | Non-QM allowed per guidelines for IO Notes. Finding is informational and resolved.  | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 409026573 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/07/2025 | Resolved | finding-4033 | Compliance | Qualified Mortgage Safe Harbor Threshold | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (XX CFR §XXXXX(b)(X), (e)(X))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%.A 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.Higher-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 XXX or more percentage points for a first-lien covered transaction, or by XXX or more percentage points for a subordinate-lien covered transaction. NQM | ;  | 11/18/2025 | HPML allowed per guidelines. Finding is informational and is resolved.  | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 409026573 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/07/2025 | Waived | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements XXX Expanded vXXX guidelines require two months of bank statements to verify assets. File only contains one month of bank statements for all assets provided.  | ;  | 11/18/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX% DTI (Max XXX%); XXX FICO; XXX mos Reserves. | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 409026613 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/06/2025 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing mortgage payment history for XXX. | ; Documentation and comment received, XXX to review.; Document Uploaded. This loan was paid off. The credit history shows as account XXX on the credit report.;  | 12/03/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing. Satisfaction of mortgage received showing paid off. | 12/03/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> A |
| 409026613 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/07/2025 | Resolved | FCRE8201 | Credit | Loan does not conform to program guidelines | Commercial Note is outside XXX DSCR guidelines. | ;  | 11/24/2025 | XXX Trust now accepts commercial notes for XXX DSCR guidelines.  | 11/24/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> A<br> C |
| 409025711 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/04/2025 | Waived | FCRE1254 | Credit | Property Title Issue | Property Title Issue Required Spousal Consent Form is not contained in the loan file. |  | 11/05/2025 | Waived per client request via email. Client accepts B grade and acknowledges that they have made business decision to waive this requirement for DSCR transactions vested in LLC. ; ;  | 11/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409025711 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/04/2025 | Waived | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | The borrower's credit report reflects XXX inquiry in the last XXX days. The file is missing required LOX from borrower confirming no new credit opened. |  | 11/05/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX DSCR (Min XXXx); XXX FICO (Min XXX); XXX mos reserves (Min X mos Required). | 11/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A |
| 409025721 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409018831 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/09/2025 | Resolved | FCRE8981 | Credit | Purpose does not meet eligibility requirement(s) | XXX DSCR vXXX Guidelines state: For refinance transactions, single family properties must be leased at the time of closing, and borrower must provide evidence that the property has been leased. The subject is vacant single-family property, and there is no evidence that the property has a lease in place. | ; Documentation and Comment received in XXX review.; Document Uploaded. Attached is the new lease agreement for subject property. Per XXX, as long as new lease starts within XXX days of closing, qualifies as "leased" and no exception needed.;  | 12/02/2025 |  | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 409026199 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/11/2025 | Waived | FCRE6100 | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX%. An exception request was contained in the loan file, but the exception approval documentation is missing.  | ; ;  | 12/08/2025 | Client approved an exception to allow X% seller contributions at XXX% LTV/CLTV for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) great credit history, X) experienced investor, and X) good housing history. ; Document Uploaded.  | 12/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409026199 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/07/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). Insurance appear to be insufficient. There is also no Rent Loss Insurance disclosed on the dec page  | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/08/2025 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 12/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409026199 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Missing required XXX months of rental loss coverage.  | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/08/2025 | Rent Loss Coverage Present | 12/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A |
| 409026372 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/07/2025 | Resolved | FCRE0382 | Credit | Assets do not meet guideline requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. Total verified assets $XXX minus $XXX needed to close (per final CD) = negative $XXX. Does not meet Experienced Borrower requirements. First Time Investor allowed with XXX minimum credit score, max LTV XXX%, XXX months reserves. | ; Documentation received in XXX review.; Document Uploaded. ; ;  | 11/19/2025 | Funds are found to meet guidelines. | 11/19/2025 | C<br> A |
| 409026719 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/04/2025 | Resolved | FCRE5774 | Credit | Borrower X Credit Report is Incomplete | Borrower XXX Credit Report is Partially Present. The file is missing the credit report at origination. The file only contained a credit report dated the same day as closing.  | ; Document Uploaded. ;  | 11/19/2025 | Borrower X Credit Report is not partially present.; Initial credit report provided. | 11/19/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> B<br> C<br> A |
| 409026719 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/04/2025 | Rescinded | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Missing letter of explanation for the XXX credit inquiries in the past XXX days. | ; ;  | 11/13/2025 | Inquiries are from XXX, the lender of the subject loan/property.  | 11/13/2025 | D<br> B<br> A |
| 409026719 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/09/2025 | Waived | FCRE8506 | Credit | Application Profile Missing | Missing Business Narrative required for XXX Expanded vXXX Business Bank Statement Program.  | ;  | 11/13/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) XXX% LTV X) XXX% DTI X) XXX FICO. | 11/13/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> B<br> A |
| 409026733 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/04/2025 | Acknowledged | FVAL3954 | Property | Property Damage | Appraisal page XXX notes Drywall repair needed $XXX cost to cure, half bath concrete floor repair $XXX, deck rotting boards cost to cure $XXX, small repair front porch $XXX. Total cost to cure $XXX. Less than XXX% of value but not cured prior to closing per lender requirements. | ; ; ; ;  | 01/20/2026 | Client approved an exception to guidelines. Client accepts risk for B grade and acknowledged the following compensating factors for this purpose: X) XXXX DSCR, X) XXX FICO, X) Good mortgage history. ;  | 01/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409026722 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/05/2025 | Waived | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing supporting documentation to document primary housing expense of $XXX. First lien documented at $XXX, Second lien from credit report $XXX, taxes $XXX, insurance $XXX= $XXX, lender has a total of $XXX, a difference of $XXX. | ; ; ;  | 11/17/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) XXX% LTV X) XXX% DTI X) XXX FICO. | 11/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> B<br> A |
| 409026722 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/08/2025 | Waived | FCRE8201 | Credit | Loan does not conform to program guidelines | XXX Expanded Program Eligibility Guide vXXX does not allow Business Entity Borrowers. |  | 11/17/2025 | Waived per client request for B grade. XXX is allowing legal entity borrowers per bid stips for this trade.  | 11/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> B<br> C<br> A |
| 409026706 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/04/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation required to clear exception: Proof of delivery/receipt of Initial CD at least XXX days prior to closing. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XX CFR §XXXXX(f)(X)(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 §XXXXX(f)(X)(i) no later than three business days before consummation. | ; Documentation received in XXX review.; Document Uploaded. Audit Trail for Initial CD sent on XX/XX/XXXX for proof of delivery.<br> ;  | 11/19/2025 | Delivery date provided; Exception resolved; Delivery date provided; Exception resolved | 11/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> C<br> A |
| 409026721 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/04/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA XXXb Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX and $XXX to $XXX for both appraisal fees. A COC is required to determine if this was a valid change. This loan failed the charges that cannot increase test. (XX CFR §XXXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXX(e)(X)(i). | ; ; Document Uploaded. ; Documentation received, XXX to review.; ; ; ;  | 11/26/2025 | Cure package provided to the borrower within XX days of discovery; exception downgraded to a X/B | 11/26/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409025771 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409024545 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Mortgage statement for XXX missing.  | ; Documentation received in XXX review.; Document Uploaded. XXX was paid off via XXX / XXX. attached is the CD showing payment to XXX and payoff statement ;  | 11/18/2025 | Closing disclosure and updated payoff statement received showing total payment.  | 11/18/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409024545 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCRE8506 | Credit | Application Profile Missing | Missing Business Narrative required for the XXX Expanded vXXX Bank Statement Program. | ; Document Uploaded. ; Documentation received in XXX review.; please advise what the Business Narrative is ;  | 11/18/2025 | Business Narrative provided. ; ;  | 11/18/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409024555 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCRE1295 | Credit | Income X Months Income Verified is Missing | Income XXX months Income Verified is Missing Missing documentation for mortgage payment for XXX. A loan estimate was provided, indicating a possible payment that was higher than that listed on the Final XXXX. Please provide a copy of the Final CD for XXX with the final payment, including tax, insurance and HOA. | ; Documentation received in XXX review.; Document Uploaded. CD associated with XXX to document PITI;  | 11/18/2025 | Income X Months Income Verified is Present Or Not Applicable; Final CD received for property at XXXX E Gulf Beach Dr. | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A |
| 409025716 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/06/2025 | Rescinded | FPRO9990 | Property | Third Party Valuation Product Not Provided within XX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing the Third Party Valuation Product via Collateral Desk Review (CDA) or Consolidated Collateral Analysis (CCA) or CU Score. | ; ; ;  | 11/19/2025 | CU score contained in loan file.; Third party valuation product provided within tolerance. | 11/19/2025 | D<br> B<br> A |
| 409025716 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/06/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX | ; Documentation and comment received, XXX to review.; Document Uploaded. Our closing instructions clearing state that the final title policy. Please see Title Policy section in attached.;  | 11/14/2025 | Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX | 11/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A |
| 409025716 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/06/2025 | Waived | FCRE2008 | Credit | Rent Loss Coverage Not Sufficient | The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is selected as No, indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. XXX DSCR guide requires rent loss coverage for the greater of the in place rents or Market rents of $XXX |  | 11/07/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: DSCR XXX, FICO XXX, and LTV XXX%. | 11/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> C<br> A |
| 409025716 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/06/2025 | Waived | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Missing LOE for credit inquiries dated XXX days from the credit report.  | ;  | 11/12/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXXx DSCR (Min XXXx); XXX FICO (Min XXX); XXXX mos Reserves (Min X mos). | 11/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A |
| 409024641 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409026723 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). Missing evidence of sufficient hazard dwelling coverage of a minimum of $XXX. Coverage is currently at $XXX. | ; Per Team, "The replacement cost new on the Appraisal Report is XXX so the XXX coverage should be sufficient." Did you need the RCE?; Comment received. In XXX review. ; ; Seller to provide adequate coverage or RCE ;  | 11/24/2025 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; The hazard insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). | 11/24/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 409026734 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/04/2025 | Waived | FCRE1479 | Credit | Asset X Does Not Meet Guideline Requirements | Asset Record X Does Not Meet G/L Requirements. Only a screen shot of XXX was provided, this does not meet lender's requirement of XXX months' bank statements. | ; Waive with originator explanation and comp factors. X) DSCR XXX, X) Mortgage paid as agreed for XXX months, X) Borrower owns primary for XXX years; ; Documentation and Comment received, in XXX review.; Document Uploaded. Per TEam, "We cannot provide a full month XXX statement because the borrower opened the XXX account #XXX on XX/XX/XXXX. The Note date was Sept XXX, and borrower did not get their first statement yet.. <br>See attached <br> X) proof that account was recently open <br> X) Proof of XXX Balance <br>This was allowed with the Original Investor loan was underwritten for. If XXX cannot accept, we'll pull loan from bulk and send it back to Original Investor"; ; ; ;  | 12/01/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) DSCR XXXX, X) Mortgage paid as agreed for XXX months, X) Borrower owns primary for XX years; Need two full months of bank statements for DSCR program for acct #XXX. This is the statement (balance confirmation) dated XX/XX/XXX; ; Waived in error. Finding is in open status.  | 12/01/2025 | C<br> B<br> A |
| 409026734 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/04/2025 | Waived | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% Borrower is a first-time investor with FICO of XXX and DSCR >XXX. LTV is reduced by XXX% from XXX% to XXX%. | ;  | 12/01/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) DSCR XXXX, X) Mortgage paid as agreed for XXX months, X) Borrower owns primary for XX years. | 12/01/2025 | C<br> B<br> A |
| 409026734 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/04/2025 | Waived | FCRE3000 | Credit | Borrower Rental Experience Not Within Guidelines | Borrower Rental Experience Not Within Guidelines Borrower's investor experience is not within guidelines (first time investor) and management intentions are not contained in the loan file. If borrower self-manages, the LTV of XXX% exceeds guideline requirements.  | ; ;  | 12/01/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) DSCR XXXX, X) Mortgage paid as agreed for XXX months, X) Borrower owns primary for XX years. | 12/01/2025 | C<br> B<br> A |
| 409026736 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/05/2025 | Waived | FCRE1197 | Credit | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX. First time investors minimum FICO is XXX per lender guidelines. The loan does meet the LTV and reserve requirements for a first time investor.  | ;  | 11/18/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) XXXX DSCR, X) Low LTV XXX, and X) Minimal credit user (late on credit report for mtg was ex-spouses responsibility). | 11/18/2025 | C<br> B<br> A |
| 409026736 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/08/2025 | Waived | FCRE3000 | Credit | Borrower Rental Experience Not Within Guidelines | Borrower Rental Experience Not Within Guidelines Borrower does not meet guideline requirements for first time investor with FICO of XXX. If borrower intends to self-manage, loan does not qualify.  |  | 11/18/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) XXXX DSCR, X) Low LTV XXX, and X) Minimal credit user (late on credit report for mtg was ex-spouses responsibility). | 11/18/2025 | C<br> B<br> A |
| 409026728 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/05/2025 | Waived | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX The only title report that could be found has a coverage amount of $XXX when the loan amount is $XXX. | ; ;  | 11/21/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) XXX% LTV X) XXXX DSCR X) XXX FICO | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 409026735 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/09/2025 | Waived | FCRE6100 | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX%. | ; ;  | 11/18/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) XXXX DSCR, X) FICO XXX, and X) Seasoned investor. | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409026686 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/08/2025 | Waived | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements XXX Expanded vXXX guidelines require two months of bank statements to verify assets. File only contains one month of bank statements for XXX and XXX. | ; ;  | 11/18/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) Low DTI XXX%, X) Reserves over requirement, and X) Good residual income. | 11/18/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> B<br> A |
| 409026686 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/07/2025 | Waived | FCRE8201 | Credit | Loan does not conform to program guidelines | XXX Expanded Program Eligibility Guide vXXX does not allow Business Entity Borrowers, and the borrower is an LLC. The loan file contains a full recourse guaranty agreement.  |  | 11/18/2025 | Waived per client request. Client accepts risk for B grade and acknowledges that they are allowing business entity owners in this trade.  | 11/18/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> B<br> A |
| 409026686 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/09/2025 | Rescinded | FCRE8506 | Credit | Application Profile Missing | Missing Business Narrative required for the XXX Expanded vXXX Bank Statement Program. |  | 11/13/2025 | Business Narrative provided in file  | 11/13/2025 | C<br> B<br> A |
| 409026702 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/06/2025 | Waived | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Per XXX Expanded Guidelines vXXX, gift funds used on an investment transaction are not allowed. | ; ;  | 11/14/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: High FICO XXX (XXX allowed), Low LTV of XXX% (XXX% allowed), and Good job stability, XX years on job. | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> C<br> B<br> A |
| 409026727 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409026720 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/05/2025 | Rescinded | finding-4035 | Compliance | Qualified Mortgage Interest Only Test | The loan is Non QM due to interest only feature. This finding remains active per client directive. This loan failed the qualified mortgage interest only test. (XX CFR XXXXX(e)(X)(i)(B))A qualified mortgage is a covered transaction that provides for regular periodic payments that are substantially equal, except for the effect that any interest rate change after consummation has on the payment in the case of an adjustable-rate or step-rate mortgage, that does not allow the consumer to defer repayment of principal.This loan is an interest only loan or a graduated payment mortgage. | ;  | 11/13/2025 | Per guidelines, Non-QM for IO notes are allowed. Finding is rescinded.  | 11/13/2025 | C<br> B<br> A |
| 409026720 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/10/2025 | Waived | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements XXX Expanded vXXX guidelines require two months of bank statements to verify assets. File only contains one month of bank statements for XXX of XXX asset accounts provided.  | ; ;  | 11/13/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) XXX FICO X) XXX% DTI X) XXX% LTV. | 11/13/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409026730 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/05/2025 | Rescinded | FCOM1114 | Compliance | Late Charge Percent is greater than X% | Late Charge Percent is greater than XXX% The Note states that the Late Charge Percent is XXX% unless the law requires less. |  | 11/15/2025 | Meets requirements for a DSCR loan.  | 11/15/2025 | A |
| 409026730 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/05/2025 | Rescinded | FCOM1111 | Compliance | Late Charge Grace Period is less than XX days | Late Charge Grace Period is less than XXX days The Note states that the Grace Period is XXX days unless the law requires a long period. |  | 11/15/2025 | Meets requirements for a DSCR loan.  | 11/15/2025 | A |
| 409026726 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/06/2025 | Acknowledged | FCRE5275 | Credit | Asset do not meet guidelines | Assets verified per XXX Expanded guidelines. XXX% utilization applied to liquid trust investment accounts held at XXX, consistent with program requirements for stocks and bonds. Total qualified assets equal $XXX, sufficient to cover closing costs and required six months PITIA reserves ($XXX). Post-closing assets total $XXX, which falls below the $XXX minimum residual requirement. Loan does not meet post-close asset requirement at guideline-based calculation.  | ; ; ; ;  | 01/09/2026 | Document Uploaded. ; Client approved an exception to guidelines to waive post-close asset requirement. Client accepts risk for B grade and acknowledged the following compensating factors for this purpose: X) XXX FICO X) borrower owns X additional properties free and clear X) XXX% LTV.; ;  | 01/09/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409026465 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/07/2025 | Waived | FCRE2008 | Credit | Rent Loss Coverage Not Sufficient | The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is selected as No, indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. The Borrower's HOI Condo Policy reflects rent loss coverage of $XXX. The rental income used to qualify is $XXX/mo x X mos = required coverage of $XXX. | ; ;  | 11/12/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) XXX FICO (min XXX) X) XXX% LTV (max XXX% X) XXXX DSCR (min .XX). | 11/12/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409026465 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/07/2025 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | The Borrower has XXX credit inquiries in the last XXX days. One inquiry is from the subject Lender; however, there is no signed LOX in file explaining the other inquiry and confirming no other new debt has been opened. | ; ;  | 11/12/2025 | XXX/XXX - department store credit card - no impact on DSCR loan. | 11/12/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A |
| 409026710 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/07/2025 | Waived | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing XXX months asset statements for XXX #XXX and #XXX. | ; Waive condition to grade B. Comp factors - X) DTI of XXX%, below max, X) job stability, X) high FICO; Asset Qualification Does Not Meet Guideline Requirements Missing X months asset statements for XXX #XXX and #XXX. Waive to grade B with compensating factors.; ; ; ; ;  | 12/01/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) DTI of XXX%, below max, X) job stability, X) high FICO.; Compensating factors not provided, required to waive for B Grade. ; Missing two months consecutive statements required by guidelines. XXX #XXX account provided XX/XX/XXXX statement-missing XX/XX/XXXX statement. XXX #XXX account provided XX/XX/XXXX statement, missing XX/XX/XXXX statement.  | 12/01/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> B<br> C<br> A |
| 409026710 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/10/2025 | Resolved | FCRE1241 | Credit | Purchase Contract is Missing | Loan Purpose is Purchase but Purchase Contract Doc is Missing | ; Documentation received, XXX to review.; Document Uploaded. "This is a Non-Arm's Length Transaction between two Business Partners. There is not sales contract. Just a Sale Escrow Instructions that was included in the file (See attached) . This is also support and verified by appraiser. "; ;  | 11/21/2025 | Purchase Contract Doc is not Missing, or is Not Applicable. | 12/01/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> B<br> A |
| 409026710 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/09/2025 | Resolved | FCRE8506 | Credit | Application Profile Missing | Missing Business Narrative required for the XXX Expanded vXXX Bank Statement Program. | ; Documentation received, XXX to review.; Document Uploaded. ; ;  | 11/21/2025 |  | 11/21/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> B<br> A |
| 409025440 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue Title Coverage amount was not provided. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/11/2025 | Property Title Issue Resolved; Updated title provided. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A<br> C |
| 409025440 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCRE2900 | Credit | Borrower Non-US Citizen Identification Document Missing | Non US Citizen Borrower is missing Identification Document. Borrower is a Permanent Resident per Final XXX missing unexpired Permanent Resident Card or equivalent documentation | ; ; Documentation received, XXX to review.; Document Uploaded. ;  | 11/24/2025 | Borrower Identification Document provided. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A |
| 409026023 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/10/2025 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Current mortgage SPS #XXX is not on the Credit Report; missing Credit Supplement, VOM or equivalent documentation verifying mortgage pay history | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/04/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Documentation for recent mortgage provided. | 12/04/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 409026323 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/06/2025 | Waived | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The appraisal indicates the subject property was listed on XXX and withdrawn on XXX. The application date is XXX. XXX DSCR VXXX GLs require a property must be removed at least one month prior to application date. | ; ; ; ;  | 11/17/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) lease in file starts XX/XX/XXXX, X) XXX% LTV, X) XXX FICO, X) no mortgage lates or derogatory credit, X) property owned by borrower since XX/XX/XXXX, X) experienced investor. | 11/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409026323 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/06/2025 | Waived | FCRE1254 | Credit | Property Title Issue | Property Title Issue The subject property is located in XXX which is a community property state. The Final XXXX indicates the borrower is married. File is missing the required Spousal Consent. | Per Review with Compliance. Required but maybe executed post close. If unable to cure, advise how to proceed.;  | 11/12/2025 | Waived per client request via email. Client accepts B grade and acknowledges that they have made a business decision to waive this requirement for DSCR transactions vested in LLC. | 11/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409026503 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/08/2025 | Resolved | FCRE2008 | Credit | Rent Loss Coverage Not Sufficient | The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is selected as No, indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. Per XXX Expended Program Eligibility Guide vXXX, all loans require rent loss insurance covering a minimum of XXX months for the subject property for the greater of in place or market rent during disruption. The policy provided specifies that the limits for Loss of Rents, Loss of Income and Extra Expense limits are "Actual Loss Sustained" and requires agent contact to confirm the number of day's coverage. Please provide the specific dollar amount or maximum payout cap (if any) for the rent loss coverage. | ; Documentation received, XXX to review.; Document Uploaded. ; ; Documentation received, XXX to review.; Document Uploaded. ; ;  | 12/05/2025 | Rent Policy provided showing coverage. ; Email from agent provided stating pays for up to XXX months. This does not indicate what it is based upon. Guidelines state "guidelines states sufficient coverage for up to XXX months of rent".  | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> C<br> A |
| 409029138 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/11/2025 | Waived | FCRE6100 | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX%. The transaction included a Seller Credit of $XXX and a Realtor Credit of $XXX. Realtor Credit is included as an Interested Party Contribution. Guidelines state maximum interest party contribution is XXX%. | ;  | 11/18/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following four (X) compensating factors for this purpose: X) XXXX DSCR, X) XXX FICO, X) XXXXX months reserves, X) experienced investor.  | 11/18/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409029148 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409025587 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 11/14/2025 | Evidence of eConsent is provided.; E-consent received | 11/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> B<br> A |
| 409024422 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Waived | FCRE8506 | Credit | Application Profile Missing | Missing required business narrative for XXX Expanded vXXX Bank Statement program. | ; ;  | 11/17/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) XXX FICO (min XXX) X) XXX% DTI (max XXX% allowed) X) Self-employed XX years | 11/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> B<br> A |
| 409026063 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/12/2025 | Waived | FCRE2008 | Credit | Rent Loss Coverage Not Sufficient | The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is selected as No, indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. | ;  | 11/13/2025 | Waived per client request. Risk accepted for B grade. Client acknowledged the following XXX (XXX) compensating factors for this purpose: X) XXX FICO (min XXX) X) XXX% LTV (max XXX%) X) reserves $XXX | 11/13/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409025811 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Rescinded | FCRE7496 | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Unable to confirm PITIA for departure home at XXX due to missing mortgage statement  | ;  | 11/13/2025 | Mortgage statement located in loan file.  | 11/13/2025 | A |
| 409026653 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/10/2025 | Resolved | FCOM1232 | Credit | The Final XXXX is Missing | The Final XXX is Missing Missing final applications for both borrowers. | ; Documentation received, XXX to review.; Document Uploaded. ; ;  | 11/26/2025 | The Final XXX is Present | 11/26/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> B |
| 409026653 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/10/2025 | Resolved | FCRE1145 | Credit | Title Document Missing | Title Document is missing Missing Title commitment. | ; Documentation received, XXX to review.; Document Uploaded. ; ;  | 11/26/2025 | Title Document is fully Present | 11/26/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> B |
| 409026653 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/05/2025 | Resolved | FCOM1621 | Compliance | Missing Initial Escrow Disclosure | Initial Escrow Account Disclosure is Missing | ; Documentation received, XXX to review.; Document Uploaded. ; ;  | 11/24/2025 | Initial Escrow Account Disclosure is Resolved | 11/24/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> B |
| 409026653 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/05/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (XX CFR XXXXXXX(a)(X)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX CFR XXXXX(a)(X)). Documentation required: Please provide evidence the consumer received a copy of the appraisal report at least three business days prior to consummation XX/XX/XXXX.  | ; Documentation received, XXX to review.; Document Uploaded. ; ;  | 11/24/2025 | Evidence of appraisal delivery provided. | 11/24/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> B |
| 409026708 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409028948 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409024272 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409027062 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/13/2025 | Waived | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines XXX Expanded Bank Statement program allows for Supplemental income to be utilized but must not exceed XXX% of total qualifying income. BX and BX social Security income exceeds this maximum allowance  | ; ;  | 11/18/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) XXX% LTV (max XXX%) X) DTI XXX% (max XXX% allowed) X) reserves $XXX | 11/18/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 409027062 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/05/2025 | Rescinded | finding-4033 | Compliance | Qualified Mortgage Safe Harbor Threshold | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (XX CFR §XXXXX(b)(X), (e)(X))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%.A 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.Higher-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 XXX or more percentage points for a first-lien covered transaction, or by XXX or more percentage points for a subordinate-lien covered transaction. This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (XX CFR §XXXXX(b)(X), (e)(X))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%.A 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.Higher-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 XXX or more percentage points for a first-lien covered transaction, or by XXX or more percentage points for a subordinate-lien covered transaction. | ;  | 11/18/2025 | Client allows HPML and loan is compliant.  | 11/18/2025 | C<br> B<br> A |
| 409029342 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Rescinded | FCRE9992 | Credit | Borrower Contributions Do Not Met Guideline Minimum | Borrower is a FTHB. Per Final XXX and documents in file, borrower is only non-occupant co-signer on a mortgage for relatives and has never had any ownership in the property for which the mortgage was used. Borrower has received a total of $XXX in gifts, none of which may be used for reserves. Per XXX Expanded VXXX GLs, FTHB must contribute a minimum of XXX% of his own funds. Borrower's funds are being used to cover the reserve requirement. | ;  | 11/14/2025 | XXX Variance - Reduces reserve requirement to XXX months. Borrower now has sufficient funds for XXX% contribution and reserves. | 11/14/2025 | A |
| 409025124 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/11/2025 | 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 Appraisal was completed subject to, missing completion certificate. | Documentation received, XXX to review.; Document Uploaded. ; ; ; ;  | 11/19/2025 | Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable | 11/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 409025607 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/11/2025 | Waived | FCRE2008 | Credit | Rent Loss Coverage Not Sufficient | The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is selected as No, indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. Per XXX DSCR vXXX guidelines, all loans require rent loss insurance covering a minimum of XXX months for the subject property for the greater of in place or market rent during disruption. Policy in the file shows $XXX, and the amount required is $XXX ($XXX monthsly rent, per lease XXX). | ;  | 12/05/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: XXX DSCR; XXX FICO; XXX% LTV; XXXX Mos PITIA reserves. | 12/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> C<br> B<br> A |
| 409025706 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409026080 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409026194 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409026302 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409026630 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCOM1208 | Credit | The Note is Incomplete | The Note is Incomplete The Note is calculated using Simple Interest, which is an ineligible product per guidelines. The Note must be recalculated using Actuarial Interest. | ; DD please reopen. Unable to resolve with Simple interest note - Advise how to proceed if unable to update. The Note must be recalculated using Actuarial Interest.; We disagree with this finding - the Note is correct and should not need to be revised.; Unable to Resolve-Our loan docs have been approved.;  | 12/11/2025 | The Note is Present; XXX reviewed the loan terms with their post closing director and determined that it is not simple interest; ;  | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> A |
| 409026630 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCRE8201 | Credit | Loan does not conform to program guidelines | Commercial Note is outside XXX DSCR guidelines. |  | 11/13/2025 | Client has approved use of commercial notes for XXX DSCR program.  | 11/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> A<br> C |
| 409025636 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Waived | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (XX CFR XXXXXXX(a)(X)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX CFR XXXXX(a)(X)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely.<br>| ;  | 11/17/2025 | Client accepts and acknowledges EVX/B finding. Per client request, waiving for B grade. | 11/17/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br> B<br> A |
| 409026604 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409025633 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Waived | FCRE8506 | Credit | Application Profile Missing | Missing business narrative required for the XXX Expanded Bank Statement program  | ;  | 11/17/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) XXX% LTV X) XXX% DTI X) XXX FICO; Missing business narrative required for the XXX Expanded Bank Statement program | 11/17/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> B<br> A<br> C |
| 409025633 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Waived | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (XX CFR XXXXXXX(a)(X)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX CFR XXXXX(a)(X)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely.<br>| ; ;  | 11/17/2025 | Client acknowledges EVX/B finding. Reviewed by client and exception has been acknowledged and downgraded. ;  | 11/17/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> B<br> A<br> C |
| 409025633 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXX(e)(X)(i). TILA XXXb Cure Required. Refund in the amount of $XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Document Redraw fee without a COC. | ; Document Uploaded. Document received. In XXX review.  | 11/15/2025 | Received valid COC for addition of $XXX redraw fee; Received valid COC for addition of $XXX redraw fee; COC received | 11/15/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> B<br> C<br> A |
| 409025133 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/10/2025 | Waived | FCRE2008 | Credit | Rent Loss Coverage Not Sufficient | The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is selected as No, indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. Rent loss coverage is $XXX. Per market rent provided, XXX months of coverage equals $XXX. The provided coverage is insufficient.  | ;  | 11/21/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XX FICO (min XXX), DSCR XXX% (min XXX%), reserves of $XXX (XXX months, X months required). | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409025133 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCRE1468 | Credit | Asset X Missing | Asset XXX Missing Missing two full months of statements for XXX savings acct #XXX listed on final XXX | ; Documentation received, XXX to review.; Document Uploaded. ;  | 11/21/2025 | Asset X Provided Or Not Applicable | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A |
| 409023921 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | finding-3716 | Compliance | CA Per Diem Interest Amount Test | Documentation required to clear exception: Please provide PCCD with per diem interest charged. Final CD shows disbursement XX/XX/XXXX with interest charged as of XX/XX/XXXX. Settlement statement in file shows disbursement XX/XX/XXXX but does not show per diem interest amount. This loan failed the per diem interest amount test. (CA Bus. Prof. Code §XXXX)The per diem interest amount charged on the loan ($XXX) exceeds the per diem interest charge or credit threshold ($-XXX).PLEASE NOTE: An additional $XXX buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 11/25/2025 | PCCD provided; exception resolved; PCCD provided; exception resolved | 11/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 409024646 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409025112 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCRE1481 | Credit | Asset X Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements XXX DSCR vXXX guidelines require two months of consecutive bank statements to verify assets. XXX acct #XXX skipped a month (XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX). | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/04/2025 | Asset Record X Meets G/L Requirements Or Not Applicable; Missing bank statement provided. | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 409025446 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/07/2025 | Resolved | FCRE5770 | Credit | Borrower X Credit Report is Missing | Borrower XXX Credit Report is Missing. Missing copy of borrower's credit report.  | ; Documentation received in XXX review.; Document Uploaded. ;  | 11/17/2025 | Borrower X Credit Report is not missing. | 11/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409025446 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/07/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements XXX DSCR vXXX guidelines require housing history reflect XXX. Missing housing history for all properties owned by borrower (total of XXX mortgages).  | ; Documentation received, XXX to review.; Document Uploaded. ;  | 11/17/2025 | Housing History Meets Guideline Requirements | 11/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 409021115 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Cured | FCOM1852 | Compliance | Incorrect rescission model used - RTC form model H-X used for refinance not with Original Lender or Lender Affiliate | Incorrect rescission model used - RTC form model HX (Same Creditor) used for refinance not with Original Lender or Lender Affiliate Documentation required to clear exception: Incorrect Right To Cancel form was used. Right to Cancel form HX (Same Lender) form was used and should have been HX (New Lender) form. In order to cure rescission needs to be re-opened with correct form and PCCD, LOE, and proof of delivery is required.  | ; ; Document Uploaded. Hello. Please see the attached signed Right to Cancel. Thank you.; Documentation received, XXX to review.;  | 11/19/2025 | Cure package provided to the borrower | 11/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> B<br> A |
| 409025352 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCRE1964 | Credit | Missing income documentation | Missing documentation verifying percentage of business owned for XXX and XXX | ; Documentation received, XXX to review.; Document Uploaded. Please see the attached CPA Letter, stating ownership percentage. Thank you.;  | 12/04/2025 | CPA letter verifying ownership provided.  | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 409025352 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCRE1316 | Credit | Borrower X 3rd Party VOE Prior to Close Missing | Borrower X 3rd Party VOE Prior to Close Missing Missing VOE for business XXX & XXX | ; Documentation received in XXX review.; Document Uploaded. Hello. Please see the attached Final VOEs. Thank you.;  | 11/25/2025 | Borrower X 3rd Party VOE Prior to Close Was Provided | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 409025352 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing property taxes for XXX, per Final XXX property has property insurance and property taxes; property taxes were provided | ; Documentation received in XXX review.; Hello. Upon reaching out to the Processing Team, it was explained that for the REO located at XXX, the taxes $XXX documented, HOA $XXX documented and there is no other insurance, aside from HOA Master Policy. Total $XXX. Please review and advise how we can proceed. Thank you for your assistance. ;  | 11/19/2025 |  | 11/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 409026280 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Rescinded | FCRE1157 | Credit | Hazard Insurance Policy is Missing | Hazard policy for XXX is missing | ; ;  | 11/17/2025 | Documentation is contained in the loan file. Finding is rescinded.  | 11/17/2025 | A |
| 409026400 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue The Final CD reflects a HELOC being paid off. There are XXX HELOC Closure Letters in file; however, neither of the letters have been executed. | ; Documentation received, XXX to review ; Document Uploaded. ;  | 11/18/2025 | Property Title Issue Resolved | 11/18/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409026400 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before.<br>| ; Documentation received, XXX to review.; Document Uploaded. ; ;  | 11/14/2025 | Evidence of eConsent is provided.; E-consent received | 11/18/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A |
| 409026400 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Waived | FCRE8506 | Credit | Application Profile Missing | Missing Business Narrative required for the XXX Expanded vXXX Bank Statement Program. | ;  | 11/13/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) XXX% LTV (max XXX%) X) XXX FICO (min XXX) X) XX years in subject property | 11/13/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A |
| 409023928 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409026049 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Provide a recent XXX months mortgage history for OREO at XXX, along with copy of HUD of purchased recently.  | ; ; Documentation received in XXX review.; Document Uploaded. First payment due on XX/XX/XXXX - No previous mortgage history - Purchased subject Cash. Please see highlighted XXX from transaction and property profile showing no previous mortgage;  | 11/24/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing.;  | 11/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409026049 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Provide evidence of PITIA for OREO at XXX. | ; Documentation received in XXX review.; Document Uploaded. First payment letter with PITI;  | 11/24/2025 |  | 11/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409025773 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409025410 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The Co-Borrower owns XXX properties disclosed in the file. One of these properties at XXX has a Property Detail Report confirming it is a condo unit. File is missing disclosure and confirmation of the the HOA dues. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/12/2025 | HOA dues provided.  | 12/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> B |
| 409025410 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Provide the Affiliated Business disclosure dated within XXX days of application XX/XX/XXXX. | ; Documentation received in XXX review.; Document Uploaded. ;  | 11/20/2025 | Required Affiliated Business Disclosure Documentation Provided | 12/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> B |
| 409025410 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCOM1233 | Credit | The Final XXXX is Incomplete | The Final XXX is Incomplete The Final XXX for the Co-Borrower only reflects XXX other properties owned. The file contains disclosure of PITIA for XXX additional properties held jointly with her spouse under their family trust, which is also in file. These properties were not disclosed on the Final XXX. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/02/2025 | The Final XXX is Present | 12/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> B |
| 409025410 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCRE2109 | Credit | Missing Lender Income Calculation Worksheet | BX has been qualified using XXX months business bank statements; however, there is no Lender Income Calculation Worksheet in file in order to verify non-eligible deposits. | ; Documentation received in XXX review.; Document Uploaded. ;  | 11/21/2025 |  | 11/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> B |
| 409026360 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Rescinded | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines XXX Expanded Bank Statement program states that more than XXX NSF occurrences in personal or business accounts within the past XXX months will be deemed frequent and require an underwriter's letter of explanation in the file. The underwriter should evaluate the pattern, timing and any corrective actions to determine potential impact to ATR. No such determination was provided.  | ; ; ; ; ;  | 11/13/2025 | LOE found in credit file. Finding is rescinded.  | 11/13/2025 | A |
| 409026192 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409022281 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409024221 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409024654 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409025789 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409026205 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409026472 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCRE1161 | Credit | Flood Certificate Missing | Missing Flood Certificate Provide FEMA Standard Flood Hazard Certificate. The copy that was provided with the full loan file is blank. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 11/24/2025 | Flood Certificate is fully present | 11/24/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 409026472 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XX CFR §XXXXX(f)(X)(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 §XXXXX(f)(X)(i) no later than three business days before consummation. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XX CFR §XXXXX(f)(X)(ii). The initial CD is missing from the loan file. The earliest CD in the loan file was issued on XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer X business days prior to consummation on XX/XX/XXXX.<br>| ; Documentation received, XXX to review.; Document Uploaded. See attached ICD issued XX/XX/XXXX and acknowledged XX/XX/XXXX;  | 11/21/2025 | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | 11/21/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 409026498 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/12/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Title coverage is less than the loan amount. | ; ; Documentation received in XXX review.; Document Uploaded. ;  | 11/24/2025 | Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX | 11/24/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409026599 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/12/2025 | Waived | FVAL5524 | Property | Ineligible Property | The subject loan is rural and considered ineligible based on the guidelines. Client approved a loan exception for rural property based on the following: Appraiser to complete proximity of rental comps and include in the loan file, DSCR no less than XXX. Reserves considered are proceeds from cash out. Meet all DSCR Guidelines.  |  | 11/15/2025 | Client approved a loan exception for rural property based on the following: Appraiser to complete proximity of rental comps and include in the loan file, DSCR no less than XXXX. Reserves considered are proceeds from cash out. Meet all DSCR Guidelines. | 11/15/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409026643 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/12/2025 | Waived | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Policy indicates Fair Rent Loss coverage is included, however coverage was not provided. Guidelines require for minimum XXX months coverage. | ; ;  | 12/05/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX DSCR; XXX FICO; XXXX mos PITIA reserves. | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A |
| 409026643 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/12/2025 | Waived | FCRE1479 | Credit | Asset X Does Not Meet Guideline Requirements | Asset Record X Does Not Meet G/L Requirements. One Month statement provided for XXX #XXX dated XX/XX/XXXX through XX/XX/XXXX. XXX DSCR Guidelines require for XXX months statements. Please provide statement for XX/XX/XXXX through XX/XX/XXXX. | ; ;  | 12/05/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX DSCR; XXX FICO; XXXX mos PITIA reserves. | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409026643 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/12/2025 | Waived | FCRE1480 | Credit | Asset X Does Not Meet Guideline Requirements | Asset Record X Does Not Meet G/L Requirements One month statement provided for XXX #XXX dated XX/XX/XXXX through XX/XX/XXXX. XXX DSCR Guidelines require for XXX months statements. Please provide statement dated XX/XX/XXXX through XX/XX/XXXX. | ; ;  | 12/05/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX DSCR; XXX FICO; XXXX mos PITIA reserves. | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409026643 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/12/2025 | Waived | FCRE3000 | Credit | Borrower Rental Experience Not Within Guidelines | Borrower Rental Experience Not Within Guidelines Borrower does not meet experienced investor requirements, and management intentions are not contained in the loan file. If borrower chooses to self-manage, the guideline cap of XXX% LTV for first time investors who self-manage is exceeded with the loan's LTV of XXX%.  | ; Please clear the condition on exception with B grade<br>Comp Factors:<br> - FICO XXX<br> - DSCR > XXX<br> - Reserves<br> ;  | 12/05/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: FICO XXX - DSCR > X - Reserves | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409026903 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCRE8506 | Credit | Application Profile Missing | Missing Business Narrative required for the XXX Expanded vXXX Bank Statement Program. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 11/30/2025 | Business narrative provided.  | 11/30/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A<br> B |
| 409026903 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within XXX days of application date XX/XX/XXXX or provide confirmation the lender has no affiliates.  | ; Documentation received, XXX to review.; Document Uploaded. ;  | 11/30/2025 | Required Affiliated Business Disclosure Documentation Provided | 11/30/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A<br> B |
| 409026903 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCRE1325 | Credit | Borrower X CPA Letter Missing | Borrower XXX CPA Letter Missing CPA letter stating XXX% business expense ratio is missing.  | ; Documentation received, XXX to review.; Document Uploaded. ;  | 11/30/2025 | Documentation provided switching expense factor to XXX%. ; Borrower X CPA Letter Provided; Borrower X CPA Letter Missing | 11/30/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A<br> B |
| 409023446 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409024286 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/13/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Collateral Risk Score is greater than XXX Provide required third-party valuation product.<br>| ; Documentation received, XXX to review.; Document Uploaded. ; ;  | 12/04/2025 | Third party valuation product provided within tolerance. | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A |
| 409024286 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/10/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XX CFR §XXXXX(f)(X)(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 §XXXXX(f)(X)(i) no later than three business days before consummation. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XX CFR §XXXXX(f)(X)(ii). The initial CD is missing from the loan file. The earliest CD in the loan file was issued on XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer X business days prior to consummation on XX/XX/XXXX. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 11/26/2025 | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | 11/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A |
| 409025699 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | FCOM1262 | Compliance | Right of Rescission is Missing | Right of Rescission is Missing Documentation required to clear exception: Provide executed Right of Rescission for all borrowers.  | ; Documentation received in XXX review.; Document Uploaded. ; ; ;  | 11/19/2025 | Right of Rescission is Provided | 11/19/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A |
| 409025922 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/23/2025 | Resolved | FCRE1482 | Credit | Asset X Does Not Meet Guideline Requirements | Asset X Does Not Meet Guideline Requirements | ; ; ;  | 12/02/2025 | Asset X Meets Guideline Requirements Or Not Applicable | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 409025922 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/16/2025 | Resolved | FCRE1198 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XXX months(s) are less than Guideline Required Reserves of XXX months(s) | ; ; ;  | 12/02/2025 | Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 409025922 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/16/2025 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. Borrower is first time investor and XXX months of reserves are required for the subject PITIA. | ; Documentation received, XXX to review.; Document Uploaded. ; ; Documentation received, XXX to review.; Document Uploaded. ; ; ;  | 12/02/2025 | Audited Reserves of $XXX are equal to or greater than AUS Required Reserves of $XXX.; Two full months of statement from all accounts are required Truist Acct # XXXX is one month only  | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 409025922 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/16/2025 | Resolved | FCRE3000 | Credit | Borrower Rental Experience Not Within Guidelines | Borrower Rental Experience Not Within Guidelines Borrower is a first time investor. LTV has been reduced by XXX% to XXX%, and minimum FICO of XXX has been met. However, borrower's management intentions are not disclosed. If borrower intends to self-manage, the loan's LTV of XXX% does not meet guidelines.  | ; Documentation received in XXX review.; Document Uploaded. ; ;  | 12/02/2025 | Borrower Rental Experience Within Guidelines | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 409025922 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/16/2025 | Resolved | FCRE3843 | Credit | Guideline Seasoning not Met | The required number of months reserves are to be seasoned does not meet Guideline requirement. |  | 11/16/2025 | The required number of months reserves are to be seasoned does meet Guideline requirement. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409025581 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409026114 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Planet Home Lending (1st mortgage on primary residence) is not reporting on CBR. Statement received, but we do not have a VOM/payment history. | ; Documentation received in XXX review.; Document Uploaded. ; ;  | 11/25/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | 11/25/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 409026363 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409026460 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Per the Privacy Notice disclosure, XXX has affiliates. Provide the Affiliated Business disclosure dated within XXX business days of application XX/XX/XXXX. | ; Documentation received in XXX review.; Document Uploaded. ;  | 11/21/2025 | Affiliated attestation provided; Exception resolved; Required Affiliated Business Disclosure Documentation Provided | 11/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A<br> B |
| 409026460 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The Borrowers are receiving $XXX in gift funds being deposited directly into escrow from relative. The gift letter has been provided; however, XXX VXXX GLs require the gift to be sourced. This documentation has not been provided. | ; Documentation received in XXX review.; Document Uploaded. ; ;  | 11/21/2025 | Asset Qualification Meets Guideline Requirements | 11/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A<br> B |
| 409026562 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409029000 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409030529 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Final (signed) XXX shows primary residence (XXX) having XXX/mth for HOA Dues (or other ins/tax expenses) however supporting doc/s not provided. Mtg stmt shows tax/ins escrowed therefore possible additional ins or HOA. Provide proof of XXX/mth payment docs as required per LG's. Also provide document additional mtg shown on Final XXX for primary (XXX, act\*\*blank, XXX/mth, XXX/bal). | ; Documentation received in XXX review.; Document Uploaded. ; ; ;  | 11/20/2025 | ; CD from refinance received for XXX verifying taxes, insurance and escrows. HOA documentation for monthly fee of $XXX pending receipt.  | 11/20/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> B<br> A<br> C |
| 409030529 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Waived | FVAL5524 | Property | Ineligible Property | Appraisal shows subject site size being XXX acres however XXX state Properties >XXX acres are ineligible.  | ; ; ; in review for exception ; ; ;  | 11/19/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) XXX% LTV (max XXX% allowed) X) X% DTI (max XXX% allowed) X) XXX FICO (min XXX required X) S/E XX years X) Residual income $XXX a month. | 11/19/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> B<br> C<br> A |
| 409030529 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCRE7810 | Credit | Title issue | Final & Prelim title policy show subject address being XXX however appraisal, Mortgage, Note, other docs show address being XXX. | ;  | 11/18/2025 | Updated title supplement received correcting address.  | 11/18/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> B<br> C<br> A |
| 409026427 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/10/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXX(e)(X)(i). TILA XXXb Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to addition of Appraisal fee in the amount of $XXX and the addition of aa Appraisal Management fee of $XXX. The COC provided did not give an adequate reason for change.  | ; Document Uploaded. ; Documentation received, XXX to review.; ; Document Uploaded. ; Documentation received, XXX to review.; Finding updated XXX; ; Document Uploaded. ; Documentation received, XXX to review.;  | 12/13/2025 | Valid COC provided; Exception resolved; This loan failed the charges that cannot increase test. (XX CFR §XXXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXX(e)(X)(i).; Provide clarification on the COC, it indicates "borrower couldn't find their appraisal" however the lender ordered the appraisal on XX/XX/XXXX but it wasn't disclosed to the borrower until XX/XX/XXXX; The COCs did not contain a valid reason for the addition of the appraisal fee;. The appraisal was ordered on XX/XX/XXXX but not disclosed to the borrower until XX/XX/XXXX | 12/13/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 409026427 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/10/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Per the Privacy Notice disclosure, XXX has affiliates. Provide the Affiliated Business disclosure dated within XXX business days of application XX/XX/XXXX. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 11/20/2025 | Required Affiliated Business Disclosure Documentation Provided | 11/20/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A<br> B |
| 409030505 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCRE5770 | Credit | Borrower X Credit Report is Missing | Borrower XXX Credit Report is Missing. The borrower's complete credit report is not contained in the loan file. Only a credit supplement was found.  | ; Documentation received in XXX review.; Document Uploaded. ;  | 11/20/2025 | Borrower X Credit Report is not missing. | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409030875 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409026512 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409025317 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409026918 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409026618 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409026098 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409029338 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing | ; Documentation received, XXX to review.; Document Uploaded. Business Purpose Doc attached;  | 12/03/2025 | Business Purpose Affidavit/Disclosure Provided | 12/03/2025 | D<br> A |
| 409029338 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCOM1232 | Credit | The Final XXXX is Missing | The Final XXX is Missing | ; Documentation received, XXX to review.; Document Uploaded. Final XXX attached ;  | 12/03/2025 | The Final XXX is Present | 12/03/2025 | D<br> A |
| 409025621 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Waived | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (XX CFR XXXXXXX(a)(X)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX CFR XXXXX(a)(X)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely.<br>| ;  | 11/17/2025 | Client accepts and acknowledges EVX/B finding. Per client request, waiving for B grade. | 11/17/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 409025634 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXX(e)(X)(i). TILA XXX Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of the Refund Check and Proof of Delivery or Valid COC. The zero tolerance amount of $XXX is due to the addition of the QCD of $XXX on the final CD dated XX/XX/XXXX without a valid COC in file. Please provide a valid COC or cure package. | ; Document Uploaded. Doc received. In XXX review.  | 11/19/2025 | PCCD provided correcting fee placement; Exception resolved; PCCD provided correcting fee placement; Exception resolved | 11/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C |
| 409025634 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of the homeowners insurance for property at XXX | ; Document Uploaded. Doc received. In XXX review. ;  | 11/19/2025 | HOI documentation received.  | 11/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C |
| 409025913 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/15/2025 | Resolved | FCRE2109 | Credit | Missing Lender Income Calculation Worksheet | Missing required lender income calculation for bank statement program  | ; ; Document Uploaded. ; Documentation received, XXX to review.;  | 11/21/2025 |  | 11/21/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> B |
| 409025913 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/15/2025 | Resolved | FCRE8506 | Credit | Application Profile Missing | Missing required Borrower Business Narrative for Bank statement program  | ; Documentation received, XXX to review.; Document Uploaded. ;  | 11/21/2025 |  | 11/21/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> B |
| 409025913 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Please provide Affiliated Business Disclosure dated within three days of application XX/XX/XXXX. | ; Documents uploaded for review.; Document Uploaded. ;  | 11/20/2025 | Required Affiliated Business Disclosure Documentation Provided | 11/21/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> B |
| 409025913 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Provide the e-consent dated on or prior to the earliest electronic signature XX/XX/XXXX | ; Documents uploaded for review.; Document Uploaded. ;  | 11/20/2025 | Evidence of eConsent is provided. | 11/21/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> B |
| 409026466 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409026495 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/15/2025 | Waived | FCRE8201 | Credit | Loan does not conform to program guidelines | Borrower is purchasing primary residence for parent. Lender allowed to process the purchase transaction based on the following compensating factors: credit history/credit score of XXX and debt to income ratio of XXX% | ;  | 11/18/2025 |  | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 409026596 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409026988 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409028863 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing | ; Document Uploaded. ; Documentation received, XXX to review.;  | 11/26/2025 | Business Purpose Affidavit/Disclosure Provided | 11/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 409028863 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/14/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. UCDP score not provided, missing required secondary valuation  | ; Documentation received, XXX to review.; Document Uploaded. ;  | 11/20/2025 | Third party valuation product provided within tolerance. | 11/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 409028863 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage | ; ; Document Uploaded. ;  | 11/24/2025 | Rent Loss Coverage Present | 11/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 409030918 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/14/2025 | Rescinded | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The final loan application reflects the borrower has been renting for the past XXX years. The file did not contain a VOR or any other form of housing history.  | ; ;  | 11/18/2025 | VOM is contained in the loan file. Finding is rescinded. ; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | 11/18/2025 | C<br> A |
| 409030918 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/12/2025 | Rescinded | finding-4040 | Compliance | Qualified Mortgage APR Threshold Test | This loan failed the qualified mortgage APR threshold test. (XX CFR §XXXXX(e)(X)(vi))A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and:The note amount for a first lien is greater than or equal to ($XXX), and its APR calculated per the requirements of XX CFR §XXXXX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien on a manufactured home is less than ($XXX), and its APR calculated per the requirements of XX CFR §XXXXX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien a non-manufactured home is less than ($XXX) but greater than or equal to ($XXX), and its APR calculated per the requirements of XX CFR §XXXXX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a second lien is greater than or equal to ($XXX), and its APR calculated per the requirements of XX CFR §XXXXX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount on a first lien a non-manufactured home or a second lien is less than ($XXX), and its APR calculated per the requirements of XX CFR §XXXXX(e)(X)(vi) is less than the APOR on the date the rate was set plus XXX%. Non QM Loan | ;  | 11/18/2025 | Loan program allows Non-QM in this instance. Finding is rescinded.  | 11/18/2025 | C<br> A |
| 409024426 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/12/2025 | Rescinded | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than XX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (XX CFR §XXXXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXXX(e)(X)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXXX(e)(X)(vi). TILA XXXb Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of $XXX is due to increase of title fees of $XXX to $XXX. The title fees increased by the following amounts: Settlement Closing Fee $XXX, Title Closing Protection Letter $XXX, Title Commitment $XXX and Title Endorsement $XXX. | ; ;  | 11/19/2025 | Investment purpose loan with BPA in file. Finding is rescinded.  | 11/19/2025 | B<br> A |
| 409024426 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/12/2025 | Rescinded | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXX(e)(X)(i). TILA XXXb Cure Required. Refund in the amount of $XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to the addition of Lock Extension Fee on CD XX/XX/XXXX. COC in file for addition of fee is dated XX/XX/XXXX and is not within XXX days of XX/XX/XXXX CD where lock extension fee was added.  | ; ;  | 11/19/2025 | Investment purpose loan with BPA in file. Finding is rescinded.  | 11/19/2025 | B<br> A |
| 409024426 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (XX CFR XXXXXXX(a)(X)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX CFR XXXXX(a)(X)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely.<br>| ; Documentation received, XXX to review.; Document Uploaded. ;  | 11/19/2025 | Evidence of appraisal delivery provided.; Received appraisal delivery receipt | 11/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> B<br> A |
| 409029190 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA XXXb Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to the increase in appraisal fee. The COC in file did not give a valid reason for the increase This loan failed the charges that cannot increase test. (XX CFR §XXXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXX(e)(X)(i). | ; Please see attacehd the cure package , LOE , check to the borrower along with the PCCD reflecting the $XXX cure; Document Uploaded. Please see attacehd the cure package , LOE , check to the borrower along with the PCCD reflecting the $XXX cure ; Documentation received, XXX to review.; Document Uploaded. Please see attached the PCCD showing the cure and kindly advise if you will accept the $XXX to be paid towards the pricipal reduction. ; It doesn't matter when the appraisal provided to the borrower, we never compare between the disclosed date and the delivery date . The fees disclosed correctly on the locked LE nothing changed up till the final signed CD, and the three days rules supposed to be from the change to the disclosed which is same day on our case. Please review and clear the condition it was never a problem with any of our invetors before , since it is diclsoued from the Locked LE we should be good; Documentation and comment received, XXX to review.; ; ; While the reason is sufficient, the appraisal was completed and provided to the borrower on XX/XX/XXXX and the fee was not disclosed on until XX/XX/XXXX which is not timely (which is outside of the XXX day rule). In order to cure you will need to provide a cure package to the borrower that includes a PCCD, LOE, Copy of refund check and proof of delivery.; ; Document Uploaded. Please be advised that as per the COC that has been provided the appraisal fees were increased on XX/XX/XXXX and the LOCKED LE was disclosed to the borrower same date, please see attached UPDATED COC WEEKS which has been provided before and kindly recheck the Date of change and date of LE redisclosed XX/XX/XXXX . ALSO please be advised that Appraisal fee was increased due to multi-unit, and we have the COC to cover the increase. PLEASE REVIEW AND CLEAR THE CONDITION. I AM KINDLY REQUESTING A RUSH REVIW as this file is aged at our pipeline , I've been working on that invalid condition since XX/XX/XXXX . ; Document Uploaded. ; Documentation received, XXX to review. Requested rush review.; ; Please be advised that teh Appraisal fee was increased due to multi-unit, and we have the COC to cover the increase. PLEASE REVIEW AND CLEAR THE CONDITION; Document Uploaded. Please see attached updated COC; Documentation and comment received, XXX to review.; Document Uploaded. Please see attached COC to cover the increase on the Locked LE dated XX/XX/XXXX; Document Uploaded. Please be advised that there is no increase in any of the fees from the initial LE to the final PCCD, please see below the appraisal fee showing $XXX on the LE and the final PCCD . I guess the reviewer is confusing the XXX with the appraisal fee which has been removed already on the final PCC. Hopefully, we can clear this one for purchase today.; Documentation received, XXX to review.;  | 12/08/2025 | Cure package provided to the borrower; exception downgraded to a X/B; Cure package is missing LOE and proof the principal reduction was applied to the loan; While the reason is sufficient, the appraisal was completed and provided to the borrower on XX/XX/XXXX and the fee was not disclosed on until XX/XX/XXXX which is not timely (which is outside of the XXX day rule). In order to cure you will need to provide a cure package to the borrower that includes a PCCD, LOE, Copy of refund check and proof of delivery.; ; The appraisal fee increase was not disclosed until XX/XX/XXXX however the appraisal was ordered and received more than XXX business days prior to the disclosed increase therefore it was not disclosed timely; Rate lock is not a valid reason for an increase in the appraisal fee | 12/08/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> C<br> B<br> A |
| 409030504 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409027052 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/14/2025 | Waived | FCRE6100 | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX%. Seller concession of $XXX exceeds XXX% of the sales price of $XXX as permitted per guidelines. | ;  | 11/19/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: LTV XXX% (max XXX%), DSCR XXX, and Excellent long term credit history. | 11/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409026508 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Waived | FCRE7268 | Credit | Missing Alt Lending Form | Missing buisness narrative for subject loan. | ;  | 11/19/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following factors for this purpose: X) XXX FICO (min XXX) X) XXX% DTI (max XXX%) X) XXX% LTV (max XXX%).<br>| 11/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 409026916 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/17/2025 | Waived | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage XXX GLs VXXX require XXX months rent loss coverage. No HO-6 policy has been provided. | ; Rent loss not required per XXX guides, requested XXX waive since purchasing to XXX guides ;  | 11/19/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DSCR XXX% (min .XX), XXX FICO (min), XXX% LTV (max XXX%) | 11/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A |
| 409026916 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/17/2025 | Waived | FCRE1180 | Credit | HO-6 Insurance Policy is Missing | HO-6 Insurance Policy is Missing The subject property is an investment condo unit, requiring HO-6 policy to include rent loss coverage | ;  | 11/19/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DSCR XXX% (min .XX), XXX FICO (min), XXX% LTV (max XXX%) | 11/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A |
| 409031133 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/17/2025 | Resolved | FCRE1182 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Lender approval not in the loan file provided. | ; Documentation received in XXX review.; Document Uploaded. ;  | 11/24/2025 | Approval/Underwriting Summary is fully present | 11/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 409025136 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/17/2025 | Waived | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Client approved guideline exception in file for inability to verify current residence history. Client accepts risk for B grade. Compensating factors: X) XXX housing on other REO, X) credit Score greater than XXX points above minimum, X) reserves greater than XXX months, X) borrower completed landlord education.  |  | 11/18/2025 |  | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409026196 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 11/17/2025 | Resolved | FCRE3605 | Credit | Asset Documents are Incomplete | Proof of the gift funds of $XXX from the spouse is missing.  | ; ; Documentation received in XXX review.; Document Uploaded. ; ;  | 11/25/2025 |  | 11/25/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 409026196 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 11/17/2025 | Rescinded | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Missing inquiry letter of explanation for the XXX CU on the credit report. | ; ;  | 11/19/2025 | Open line of credit was reported from inquiry on the credit report.  | 11/19/2025 | D<br> A |
| 409026216 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/17/2025 | Resolved | FCRE1236 | Credit | Occupancy Not Allowed | The property is vacant (per guidelines on refinance transactions Single family properties must be leased at the time of closing).  | ; ; ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/03/2025 | Confirmed with client that guidelines allow for vacant properties with XXX% reduction in LTV. Finding is resolved. ; Single family properties must be leased at the time of closing. The subject property is vacant. ; Refinance on unleased properties allowed with LTV reduced by XXX%. Meets guidelines,  | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 409026216 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/17/2025 | Resolved | FCRE2109 | Credit | Missing Lender Income Calculation Worksheet | Missing final DSCR Calculation  | ; ; ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/03/2025 | XXX with calculations provided.  | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409026216 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/17/2025 | Resolved | FCRE3000 | Credit | Borrower Rental Experience Not Within Guidelines | Borrower Rental Experience Not Within Guidelines Property Management intentions are not contained in the loan file. | ; ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/01/2025 | Borrower Rental Experience Within Guidelines; Borrower Rental Experience Not Within Guidelines | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 409026216 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/18/2025 | Resolved | FCRE1198 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XXX months(s) are less than Guideline Required Reserves of XXX months(s) Inexperienced borrowers require XXX months of reserves.  | ; ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/01/2025 | Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s); Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 409029123 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/17/2025 | Rescinded | FVAL1310 | Property | Missing HOA/Condo Certification | Although a Condo Questionnaire is not required by XXX GLs, evidence if the property is warrantable is required. Condo project is over XXX% owner-occupied, but it is unknown if the HOA has sufficient reserves to be classified warrantable. | ; ; ;  | 11/19/2025 | Not required.  | 11/19/2025 | A |
| 409026611 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/14/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing third party valuation product.  | ; Documentation received, XXX to review.; Document Uploaded. CDA uploaded for review; ;  | 11/20/2025 | Third party valuation product provided within tolerance. | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 409026611 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCRE1161 | Credit | Flood Certificate Missing | Missing Flood Certificate  | ; Document Uploaded. ; Documentation received, XXX to review.;  | 11/20/2025 | Flood Certificate is fully present | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409026611 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCRE9814 | Credit | Missing Trust Agreement | Missing Trust Agreement Missing Trust Agreement | ; Documentation received, XXX to review.; Document Uploaded. Trust Agreement uploaded for review;  | 11/20/2025 | Trust Agreement Meets Guideline Requirements | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409026611 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCRE1157 | Credit | Hazard Insurance Policy is Missing | Missing Hazard Insurance Policy Missing hazard insurance policy and supplemental insurance disclosed on the XXX and final XXX.  | ; Documentation received, XXX to review.; Document Uploaded. Hazard policy AND Hurricane Policy uploaded for review to support the Hazard and Supp Insurance listed on the URLA and XXX;  | 11/20/2025 | Hazard Insurance Policy is fully present | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409026611 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Missing rent loss insurance due to hazard insurance policy not provided.  | ; Documentation received, XXX to review.; Document Uploaded. Hazard policy with Rent Loss;  | 11/20/2025 | Rent Loss Coverage Present | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409026611 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCRE1145 | Credit | Title Document Missing | Title Document is missing Title Document is missing | ;  | 11/18/2025 | Title Document is fully Present; Document Uploaded.  | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409026611 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/14/2025 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. Appraisal is Missing. | ;  | 11/18/2025 | Appraisal is Present or is Waived; Document Uploaded.  | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409026914 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCOM1231 | Credit | The Initial XXXX is Missing | The Initial XXX is Missing Missing initial application. | ; Documentation received, XXX to review.; Document Uploaded. ; ;  | 11/21/2025 | The Initial XXX is Present | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> B |
| 409026914 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/18/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | ; ; Document Uploaded. ;  | 11/20/2025 | Evidence of eConsent is provided. | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> B |
| 409027067 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409029334 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/17/2025 | Rescinded | FCOM1229 | Credit | 1-4 Family Rider is Missing | 1-4 Family Rider is Missing. Missing the 1-4 Family Rider. | ; ; Document Uploaded. Documentation received in XXX review.;  | 11/24/2025 | Assignment of rents provided  | 11/24/2025 | D<br> A |
| 409029334 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/17/2025 | Resolved | FCOM1220 | Credit | The Deed of Trust is Missing | The Deed of Trust is Missing Missing the Deed of Trust | ; Document Uploaded. Documentation received in XXX review.; ;  | 11/24/2025 | The Deed of Trust is Present | 11/24/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409018830 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409025421 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/14/2025 | Waived | finding-4038 | Compliance | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (XX CFR XXXXX(e)(X))The loan amount is $XXX or more, and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds $XXX; orThe loan amount is less than $XXX and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX. This loan has points and fees that exceed the points and fees threshold. (XX CFR XXXXX(e)(X))The loan amount is $XXX or more, and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds $XXX; orThe loan amount is less than $XXX and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX. | ; ; ; This is a non-qm loan, please waive. ; Waive, ok with points and fees up to XXX%. Grade B with comp factors - XXX% DTI, XXX FICO, XXX months reserves.;  | 12/18/2025 | Client acknowledges EVX/B finding, exception status changed to Waived | 12/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 409025421 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/14/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XX CFR §XXXXX(f)(X)(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 §XXXXX(f)(X)(i) no later than three business days before consummation. The initial CD dated XX/XX/XXXX is missing from the file. | ; Documentation received in XXX review.; Document Uploaded. ;  | 11/24/2025 | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | 11/24/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 409025718 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/18/2025 | Waived | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Missing evidence of Rent Loss Insurance covering a minimum of XXX months for the subject property. | ;  | 11/26/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXXx DSCR; XXX FICO; XXX mos PITIA reserves. | 11/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A |
| 409025718 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/18/2025 | Waived | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Asset verification requires XXX months of bank statements for each account used, however only XXX months of statement have been provided for XXX #XXX & # XXX as of XX/XX/XXXX, and XXX #XXX, #XXX, and #XXX as of XX/XX/XXXX. | ;  | 11/26/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXXx DSCR; XXX FICO; XXX mos PITIA reserves. | 11/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409025969 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409026222 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 11/18/2025 | Waived | FCRE1316 | Credit | Borrower X 3rd Party VOE Prior to Close Missing | Borrower X 3rd Party VOE Prior to Close Missing Acceptable forms to document the borrower's self-employment include the following: Business License, Signed written statements from a CPA or Third-Party Tax Preparer, Partnership Agreement or Business Certificate file with a governmental agency. The loan file contains an email from the lender to a CPA asking to confirm the borrower's ownership percentage of XXX%. Missing evidence of length of ownership and location. Guidelines require borrowers must have a two year history of self-employment.  | ; ; Document Uploaded. ;  | 11/24/2025 | Exception documentation received. Waived per client request. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX+ months of PITI reserves, business model is less risky than most self-employment due to control by corporate and highly selective process, and income is higher than reflected because XXX% of expenses are paid by corporate before borrower receives net profit. | 11/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A |
| 409026222 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 11/18/2025 | Resolved | FCRE1202 | Credit | Third Party Fraud Report Partially Provided | Third Party Fraud Report Partially Provided XXX Fraud Report reflects a potential undisclosed property located at XXX. Public records reflects the owner is XXX. | ; Documentation received, XXX to review.; Document Uploaded. ; ;  | 11/24/2025 | Third Party Fraud Report is fully present | 11/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A |
| 409026222 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 11/18/2025 | Resolved | FCRE1495 | Credit | ATR: Current Employment Not Verified | ATR: Current Employment Not Verified Acceptable forms to document the borrower's self-employment include the following: Business License, Signed written statements from a CPA or Third-Party Tax Preparer, Partnership Agreement or Business Certificate file with a governmental agency. The loan file contains an email from the lender to a CPA asking to confirm the borrower's ownership percentage of XXX%. Missing evidence of length of ownership and guidelines require borrowers must have a two year history of self-employment.  | ;  | 11/19/2025 | ATR: Current Employment Was Verified;  | 11/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409026222 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 11/18/2025 | Waived | FCRE6277 | Credit | Years on the job does not meet guideline requirements | Self employed borrowers using Business Bank statements for qualifying must have two years history of self-employment. The borrower's business is required to be in existence for the past XXX years. The loan file contains no documentation to support this guideline requirement. Data provided indicates an approved exception on this loan file, however, no evidence of an exception found. Provide documentation to support XXX years self-employment or a Loan exception allowing < XXX years proof of self-employment.  | ; Document Uploaded. ; ;  | 11/19/2025 | Exception documentation received. Waived per client request. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX+ months of PITI reserves, business model is less risky than most self-employment due to control by corporate and highly selective process, and income is higher than reflected because XXX% of expenses are paid by corporate before borrower receives net profit.  | 11/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409026293 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409026374 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/18/2025 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. Provide asset documentation in the minimum amount of $XXX for XXX months reserves for subject property and XXX months reserves for each financed property | ; Documentation received, XXX to review.; Document Uploaded. ; ; Document Uploaded. ; Documentation received, XXX to review.;  | 12/14/2025 | Audited Reserves of $XXX are equal to or greater than AUS Required Reserves of $XXX.; Received updated XXX and XXX showing funds of $XXX however additional documentation showing funds was not provided. Please provided additional asset documentation.  | 12/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> C<br> A |
| 409026374 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/19/2025 | Waived | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements XXX Expanded vXXX requires XXX months of asset statements. Loan file contains XXX months of XXX #XXX dated XX/XX/XXXX. | ; ;  | 12/14/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX% DTI; XXX% LTV; XXX mos PITIA reserve | 12/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> C<br> A |
| 409026374 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/18/2025 | Rescinded | FCOM3592 | Credit | Missing Taxpayer First Act Disclosure | Taxpayer First Act Disclosure is missing. Provide signed tax form XXX by each borrower<br>| ; ;  | 12/14/2025 | Per XXX, the XXXX-T is not required for alt doc loans under XXX Expanded Program Eligibility Guide vXXX. Finding is rescinded. | 12/14/2025 | D<br> B<br> A |
| 409026374 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/18/2025 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Provide letter of explanation for inquires and document no new tradelines opened from XXX XX/XX/XXXX and XXX XX/XX/XXXX | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/11/2025 | LOX provided.  | 12/11/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A |
| 409026374 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/18/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Provide current mortgage statement or note for XXX Extension to verity payment does not exceed $XXX per month | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/04/2025 | Final CD from refinance provided.  | 12/04/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A |
| 409026632 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/18/2025 | Resolved | FCRE7347 | Credit | Missing Lease Agreement | XXX DSCR GLs VXXX allow for only XXX unit to be vacant when evaluating X-X units and lease must be for at least XXX months. The subject property is XXX units and already has one unit vacant (#XXX). Unit #XXX has active lease and the lease is for XXX months. However, Unit #X has a XXX months lease that expired on XXX, prior to close. Lender to provided renewed XXX months lease for Unit #XXX. | ; Document Uploaded. ;  | 11/24/2025 |  | 11/24/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409026986 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/18/2025 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Mortgage is missing the following riders: X-X Family, PUD Rider and Prepayment Rider. | ; Document Uploaded. Documentation received in XXX review.; ;  | 11/21/2025 | The Deed of Trust is Present and Complete | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409026986 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/18/2025 | Resolved | FCOM1208 | Credit | The Note is Incomplete | The Note is Incomplete Loan was closed with a Prepayment and prepayment rider to the note was not provided. | ; ; ;  | 11/21/2025 | The Note is Present | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409028840 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409028996 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409029212 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409030544 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/18/2025 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Missing LOE for credit inquiries from XXX and XXX.  | ; Documentation received in XXX review.; Document Uploaded. ; ;  | 12/02/2025 |  | 12/02/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> A |
| 409018825 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/18/2025 | Resolved | FCRE7347 | Credit | Missing Lease Agreement | Lease agreement provided is not fully executed, only signed by the tenant. | ; Documentation received in XXX review.; Document Uploaded. ; ;  | 12/01/2025 | Executed lease received.  | 12/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409018835 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/18/2025 | Resolved | FCRE7347 | Credit | Missing Lease Agreement | Missing lease agreement from loan file. Subject is a refinance and property is currently tenant occupied per appraisal. Copy of lease required.  | ; Documentation received, XXX to review.; Document Uploaded. ;  | 11/21/2025 |  | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409026236 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (XX CFR §XXXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXX(e)(X)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXX(e)(X)(i). TILA XXXb Cure Required <br> Refund in the amount of $XXX<br> Cure Package requires a PCCD, LOE, Copy of refund check and proof of delivery to the borrower OR Valid COC<br> The Lender Credit decrease is due to the decrease on the Final CD and No COC was found in the file explaining the reason for the decrease.<br> Please provide a Valid COC or Cure Package | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/08/2025 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 12/08/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> C<br> A |
| 409026236 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XX CFR §XXXXX(f)(X)(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 §XXXXX(f)(X)(i) no later than three business days before consummation. The file is missing a copy of the Initial CD | ; Documentation received, XXX to review.; Document Uploaded. ;  | 11/26/2025 | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | 11/26/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> C<br> A |
| 409026351 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/18/2025 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Missing LOE for credit inquiries dated XXX days from the credit report.  | ; Documentation received, XXX to review.; Document Uploaded. ; ; ;  | 12/05/2025 | LOE provided.  | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> A |
| 409026917 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/18/2025 | Resolved | FCRE8506 | Credit | Application Profile Missing | Missing required business narrative for XXX Expanded Bank statement program  | ; Documentation received in XXX review.; Document Uploaded. ; ;  | 11/25/2025 | Business narrative received.  | 11/25/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> B |
| 409026917 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/18/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing documentation to support lenders use for REO in the amount of $XXX. Documents provided support the following: P&I from mortgage statement of $XXX, Taxes in the amount of $XXX and HOI in the amount of $XXX for a total of $XXX, creating a difference of $XXX. | ; Documentation received in XXX review.; Document Uploaded. ;  | 11/25/2025 | Tax documentation provided.  | 11/25/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> B |
| 409026917 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within X days of application date XX/XX/XXXX or provide confirmation the lender has no affiliates.<br>| ; Documentation received in XXX review.; Document Uploaded. ; ;  | 11/25/2025 | Required Affiliated Business Disclosure Documentation Provided; Affiliated attestation provided; exception resolved | 11/25/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> B |
| 409027048 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409028979 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/18/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Missing third party valuation. Loan is a XXX Family unit, CU score not provided.  | ; Documentation received in XXX review.; Document Uploaded. ;  | 11/24/2025 | Property/Appraisal Meets Guidelines | 11/24/2025 | D<br> A<br> C |
| 409028979 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/18/2025 | Resolved | FCRE1157 | Credit | Hazard Insurance Policy is Missing | Missing Hazard Insurance Policy A copy of the Homeowner's Insurance for the subject property, XXX with evidence of Rent Loss coverage could not be located within the file and is required to complete audit review. | ; Documentation received in XXX review.; Document Uploaded. ;  | 11/24/2025 | Hazard Insurance Policy is fully present | 11/24/2025 | D<br> A<br> C |
| 409028979 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/18/2025 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage A copy of the Homeowner's Insurance for the subject property, XXX with evidence of Rent Loss coverage could not be located within the file and is required to complete audit review. | ; Document Uploaded. ; Documentation received in XXX review.;  | 11/24/2025 | Rent Loss Coverage Present | 11/24/2025 | D<br> A<br> C |
| 409028998 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/18/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing documentation of $XXX fee disclosed in the monthly insurance, taxes, association dues for OREO (XXX).  | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/01/2025 | Refinance completed, appraisal confirms HOA fee.  | 12/01/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C |
| 409028998 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within XXX days of application date XX/XX/XXXX or provide confirmation the lender has no affiliates.<br>| ; ; Documentation received in XXX review.; Document Uploaded. ;  | 12/01/2025 | Required Affiliated Business Disclosure Documentation Provided; Affiliated attestation provided; exception resolved | 12/01/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> B<br> C |
| 409028998 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/18/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA XXXb Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to increase from $XXXto $XXX for the CDA fee on LE XX/XX/XXXX. COC in file dated XX/XX/XXXX references the CDA fee but does not provide a reason for the addition of the fee. This loan failed the charges that cannot increase test. (XX CFR §XXXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXX(e)(X)(i). | ; Documentation received, XXX to review.; Document Uploaded. ;  | 11/26/2025 | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved | 11/26/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C |
| 409029011 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/17/2025 | Resolved | FCRE8981 | Credit | Purpose does not meet eligibility requirement(s) | XXX DSCR XXX Guidelines state: For refinance transactions, single family properties must be leased at the time of closing, and the borrower must provide evidence that the property has been leased. The subject is vacant single-family property, and there is no evidence that the property has a lease in place.  | ; Document Uploaded. please see attached; Documentation received, XXX to review.;  | 12/08/2025 | XXX% reduction in LTV in place for unleased unit  | 12/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 409029011 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/17/2025 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Loan was approved as an IO loan, IO information was missing from note/mortgage provided. <br> Interest-Only rider missing.  | ; Comment received, XXX to review.; The Deed is correct as is. No IO Riders applicable.;  | 12/08/2025 | The Deed of Trust is Present and Complete | 12/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409029011 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/17/2025 | Resolved | FCOM1208 | Credit | The Note is Incomplete | The Note is Incomplete Loan was approved as an IO loan, IO information was missing from note/mortgage provided.  | ; Documentation received, XXX to review.; Document Uploaded. Please see correct Note attached. Leaving XXX today and arrive to XXX custodian XXX;  | 12/08/2025 | The Note is Present | 12/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409028832 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/12/2025 | Waived | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% Subject property was not leased at the time of closing and appear to still be listed for rent. the Max LTV for DSCR below XXX for cash out is XXX% with a XXX% reduction for unleased properties  | ; ok to waive finding to grade B with compensating factors - X) FICO XXX X) Seasoned investor X) rate term refi with payment going down | 12/15/2025 | Waived per client. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) FICO XXX X) Seasoned investor X) rate term refi with payment going down | 12/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409028832 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/19/2025 | Waived | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The subject property was purchased or transferred on XXX. Per XXX DSCR GLs XXX, when the subject property for a rate/term refinance has been owned for less than twelve months, the LTV/CLTV/HCLTV ratios must be based on the lesser of the cost basis or current appraised value. Lender has based LTV on the appraised value; however, the original cost basis or acquisition cost has not been documented in order to insure the appraisal value was the lesser option. | ; ; Meets originator guidelines. Waive to grade B with compensating factors. X) FICO XXX X) seasoned investor X) pays mortgages on time.; ; ;  | 12/15/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose X) FICO XXX X) seasoned investor X) pays mortgages on time.; no additional documentation provided. ;  | 12/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409028832 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/19/2025 | Waived | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. The Lender references only requiring XXX months reserves. XXX GLs XXX require XXX months for loan amount. Assets provided were not sufficient to cover the reserve requirement. | ; ; Meets originator guidelines. Waive to grade B with compensating factors. X) FICO XXX X) seasoned investor X) pays mortgages on time; ; ;  | 12/15/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose X) FICO XXX X) seasoned investor X) pays mortgages on time.; no additional documentation provided. ; No additional documentation provided, finding re-opened.  | 12/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409028832 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/19/2025 | Waived | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Only one month bank statement provided with balances matching Final XXX and assets on XXX. XXX DSCR GLs VXXX require XXX months bank statements. Statement dated X/X/XXXX-X/XX/XX/XXXX for Security Service FCU XXX provided, missing X/XXXX statement | ; ; Meets originator guidelines. Waive with grade B compensating factors. X) FICO XXX X) seasoned investor X) pays mortgages on time; ; ;  | 12/15/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose X) FICO XXX X) seasoned investor X) pays mortgages on time.; no additional documentation provided. ; . | 12/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409028832 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/12/2025 | Waived | FCRE1198 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XXXXX months(s) are less than Guideline Required Reserves of XXXXX months(s) | ; ok to waive finding to grade B with compensating factors - X) FICO XXX X) Seasoned investor X) rate term refi with payment going down | 12/15/2025 | Waived per client. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) FICO XXX X) Seasoned investor X) rate term refi with payment going down | 12/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409028832 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/19/2025 | Resolved | FCRE8981 | Credit | Purpose does not meet eligibility requirement(s) | XXX DSCR XXX Guidelines state: For refinance transactions, single family properties must be leased at the time of closing, and the borrower must provide evidence that the property has been leased. The subject is vacant single-family property, and there is no evidence that the property has a lease in place. | ; Documentation received, XXX to review.; Document Uploaded. documentation provided with initial upload- see attached ; ; ; ; ; ; ;  | 12/12/2025 | Subject property was not leased at the time of closing and appear to still be listed for rent. the Max LTV for DSCR below XXX for cash out is XXX% with a XXX% reduction for unleased properties  | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409028831 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/20/2025 | Waived | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Asset requirements per guidelines require statements with ALL pages evidencing at least two months consecutive activity. Only one month bank statement was provided. Missing XXX statement for XXX XXX. | ; Meets originator guidelines. Waive with compensating factors. X) XXX DSCR X) XXX FICO X) seasoned investor.;  | 12/01/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) XXX DSCR X) XXX FICO X) seasoned investor.; No documentation received  | 12/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409028834 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/20/2025 | Waived | FCRE6100 | Credit | Audited Interested Party Contribution Exceeds Guideline Program Maximum | Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% . | ; Meets originator guidelines. Waive with compensating factors. Waive to grade B with compensating factors. X) DSCR XXX X) FICO XXX X) Excellent reserves; ;  | 12/03/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose X) DSCR XXXX X) FICO XXX X) Excellent reserves; ; No additional documentation received, finding remains as interest party contributions exceed guidelines.  | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum<br> C<br> B<br> A |
| 409028834 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/20/2025 | Waived | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% Per XXX DSCR XXX, First Time Investors allowed with XXX minimum FICO, max XXX% LTV, XXX months reserves. | ; Meets originator guidelines. Waive to grade B with compensating factors. X) DSCR XXX X) FICO XXX X) Excellent reserves; ;  | 12/03/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose X) DSCR XXXX X) FICO XXX X) Excellent reserves; ; No additional documentation received, finding remains as LTV exceed guidelines. | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum<br> C<br> B<br> A |
| 409028834 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/20/2025 | Waived | FCRE3000 | Credit | Borrower Rental Experience Not Within Guidelines | Borrower Rental Experience Not Within Guidelines Per XXX DSCR XXX, Experienced Borrower: A Borrower who has owned two (XXX) or more properties for at least XXX months during the most recent XX-month period. One (XXX) property must be an income producing property (residential or commercial). <br> Borrowers that intend to self-manage the property must meet at least one of the following requirements: Have three (XXX) years of experience managing income producing properties. Have a certification or proof of equivalent coursework in real estate property management.<br> First Time Investors allowed with XXX minimum FICO, max XXX% LTV, XXX months reserves. Three years management history or certification or proof of equivalent coursework in real estate property management not provided, therefore first time investor rules would apply.  | ; Meets originator guidelines. Waive to grade B with compensating factors. X) DSCR XXXX X) FICO XXX X) Excellent reserves; ;  | 12/03/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose X) DSCR XXXX X) FICO XXX X) Excellent reserves;  | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum<br> C<br> B<br> A |
| 409028827 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/20/2025 | Waived | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% The maximum LTV allowed on DSCR purchase loans is XXX% for first time investors who intend to self-manage properties.  | ; Meets originator guidelines. Waive to grade B with compensating factors. X) FICO XXX X) DSCR XXXX X) Excellent reserves; ; ;  | 12/03/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose X) FICO XXX X) DSCR XXXX X) Excellent reserves; No additional documentation provided, finding remains. ; No additional documentation provided, finding remains. ; No Documentation received  | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409028827 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/20/2025 | Waived | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The file only contains one bank statement for asset verification for the Borrowers' CIT and XXX accounts dated XX/XX/XXXX. Missing XX/XX/XXXX statements. XXX DSCR GLs XXX require XXX months documentation. | ; Meets originator guidelines. Waive to grade B with compensating factors. X) FICO XXX X) DSCR XXXX X) Excellent reserves; ;  | 12/03/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose X) FICO XXX X) DSCR XXXX X) Excellent reserves; No additional documentation provided, finding remains. ; No Documentation received  | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409028836 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/19/2025 | Waived | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts XXX fraud report reflects an additional property not disclosed on the final XXX (XXX). Provide updated final XXX disclosing all properties owned by borrower. | ; ; Meets originator guidelines. Waive to grade B with compensating factors. X) DSCR XXX X) FICO XXX X) seasoned investor; ;  | 12/03/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose X) DSCR XXXX X) FICO XXX X) seasoned investor; No additional documentation provided. ; No documentation provided  | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409028836 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/19/2025 | Waived | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Two full months of asset verification required for XXX DSCR XXX guidelines. File contains one month statement from XXX checking acct #XXX dated XX/XX/XXXX-XX/XX/XXXX. With an application date of XX/XX/XXXX, XX/XX/XXXX statements are required.  | ; ; Meets originator guidelines. Waive to grade B with compensating factors. X) DSCR XXX X) FICO XXX X) seasoned investor; ;  | 12/03/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose X) DSCR XXXX X) FICO XXX X) seasoned investor; No additional documentation provided. ; No documentation provided  | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409025432 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/19/2025 | Resolved | FCRE5123 | Credit | Missing Business Entity Formation Document | XXX DSCR XXX guidelines require operating agreement / partnership agreement / bylaws/ filed articles of organization/incorporation for business entity.  | ; Uploaded LLC docs for review.; ; ;  | 12/11/2025 | LLC documents provided ; Document Uploaded.  | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409025705 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/19/2025 | Resolved | FCRE8981 | Credit | Purpose does not meet eligibility requirement(s) | XXX DSCR XXX Guidelines state: For refinance transactions, single family properties must be leased at the time of closing, and the borrower must provide evidence that the property has been leased. The subject is a tenant occupied single-family property, and there is no lease in file. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/04/2025 | Documentation provided showing short term rental.  | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 409025907 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409025908 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/20/2025 | Waived | FCRE8201 | Credit | Loan does not conform to program guidelines | XXX DSCR XXX Guidelines state: For refinance transactions, single family properties must be leased at the time of closing, and the borrower must provide evidence that the property has been leased. The subject is vacant single-family property, and there is no evidence that the property has a lease in place. | ;  | 12/05/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) DSCR XXX, X) FICO XXX, and X) Reserves.  | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409025908 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/19/2025 | Waived | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% Subject is a vacant rate/term transaction, max LTV is XXX%, current LTV is XXX%.  |  | 11/21/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) DSCR XXX, X) FICO XXX, and X) Reserves.  | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409026111 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409026279 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/24/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements XXX XXX statement from XX/XX/XXXX provided. Two months statements required per guidelines. Missing XX/XX/XXXX statement.  | ; Documentation received, XXX to review.; Document Uploaded. ; XXX may consider for post close exception waiver if unable to cure.;  | 12/04/2025 | Asset Qualification Meets Guideline Requirements; Missing bank statement provided. | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> C<br> A |
| 409030461 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409026387 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409026441 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/25/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/05/2025 | Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX | 12/05/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> B<br> A |
| 409026441 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/18/2025 | Resolved | FCOM1232 | Credit | The Final XXXX is Missing | The Final XXX is Missing Final XXX URLA is missing | ; Documentation received in XXX review.; Document Uploaded. Document uploaded.;  | 11/25/2025 | The Final XXX is Present; The Final XXX is Present | 12/04/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> B<br> A |
| 409026441 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/18/2025 | Resolved | FCRE1145 | Credit | Title Document Missing | Title Document is missing Title is missing | ; ; Documentation received in XXX review.; Document Uploaded. Document uploaded.;  | 11/25/2025 | Title Document is fully Present | 12/04/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> B<br> A |
| 409026441 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/18/2025 | Resolved | FCRE1182 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Underwriting summary or XXX is missing. | ; Documentation received in XXX review.; Document Uploaded. Document uploaded.;  | 11/25/2025 | Approval/Underwriting Summary is fully present | 12/04/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> B<br> A |
| 409026441 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/18/2025 | Resolved | FCRE2109 | Credit | Missing Lender Income Calculation Worksheet | Income calculation from the lender is missing. | ; ; Documentation received in XXX review.; Document Uploaded. Document uploaded.;  | 11/25/2025 | Income calculation worksheet provided.  | 11/25/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> B<br> A |
| 409026441 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Waived | FCRE8506 | Credit | Application Profile Missing | Missing required business narrative for XXX Expanded bank statement program  | ;  | 11/20/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) Subject owned XXX years – owned free and clear X) XXX% LTV (max XXX%) X) X months reserves required and borrower receiving cash out of $XXX which is allowed for reserves | 11/20/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> B<br> A |
| 409026441 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/18/2025 | Waived | FCRE6737 | Credit | Missing Letter of Explanation (Income) | Business narrative is missing. | ;  | 11/20/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) Subject owned XXX years – owned free and clear X) XXX% LTV (max XXX%) X) X months reserves required and borrower receiving cash out of $XXX which is allowed for reserves | 11/20/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> B<br> A |
| 409026347 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409030444 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FCRE1202 | Credit | Third Party Fraud Report Partially Provided | Third Party Fraud Report Partially Provided CA Fraud Report was not available at the time of your review. |  | 11/22/2025 | Third Party Fraud Report is fully present | 11/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 409026581 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/21/2025 | Resolved | FCOM0362 | Compliance | Final HUD-1 Document is Missing | Final HUD-1 Document is Missing | ; Documentation received in XXX review.; Document Uploaded. ; ;  | 12/03/2025 | Final HUD-1 Document is not missing.; Final HUD received. ; ; Final HUD-1 Document is not missing or estimated only.; Final HUD-1 Document is not missing. | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409026581 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/20/2025 | Resolved | FCRE5123 | Credit | Missing Business Entity Formation Document | Provide a copy of the Employer Identification Number (EIN) for XXX | ; ; Documentation received, XXX to review.; Document Uploaded. ; ;  | 12/02/2025 |  | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409026542 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/20/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing UCDP Report with CU score and Desk Review.  | ; Documentation and comment received, XXX to review.; Document Uploaded. Per Team, "both Fannie and Freddie scores are rated a X. CDA or Desk review not required. ";  | 12/03/2025 | Third party valuation product provided within tolerance. | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 409026588 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/21/2025 | Waived | FCRE0376 | Credit | Tradelines do not meet Guideline Requirements | The lender's minimum tradeline requirements have not been met per guidelines. XXX Expanded XXX requires each borrower to meet the minimum tradeline requirement of XXX reporting in the last XXX months or XXX reporting for XXX months with activity in the last XXX months. BX credit history does not meet this requirement. Client granted an exception was granted for this requirement. Compensating factors are high reserves and "close to meeting" tradelines  |  | 11/23/2025 |  | 11/23/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409026657 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409027022 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409029207 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409026010 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/21/2025 | Resolved | FCRE4104 | Credit | Missing explanation and supporting documentation for large deposit(s) | Missing explanation and source of large deposits XX/XX/XXXX into XXX Account XXX for $XXX and $XXX. These deposits are large in relation to the borrower's qualifying income. Without these funds the borrower does not have enough funds for down payment, closing costs and post-close reserves required. Guidelines specify large deposits inconsistent with monthly income or deposits must be verified if using for down payment, reserves or closing costs. | ;  | 12/04/2025 | Document Uploaded. ; Documentation provided sources deposits from XX/XX/XXXX. In addition, bank statements dated XX/XX/XXXX through XX/XX/XXXX were used for XXX months of qualifying statements. ; No additional documentation received.  | 12/04/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> A |
| 409026248 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/20/2025 | Waived | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Missing LOE for credit inquiries. | ;  | 12/01/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: FICO XXX, XXXXXX months, and Reserves (cash-out proceeds). | 12/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A |
| 409024795 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/21/2025 | Waived | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements XXX Expanded XXX guidelines require two months of bank statements to verify assets. File only contains one month of asset statements for XXX #XXX dated XX/XX/XXXX (missing XX/XX/XXXX), XXX #XXX dated XX/XX/XXXX (missing XX/XX/XXXX), XXX #XXX dated XX/XX/XXXX (missing XX/XX/XXXX), and XXX #XXX dated XX/XX/XXXX (missing XX/XX/XXXX).  | ;  | 12/01/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX FICO; XXX% DTI; $XXX/mo Residual Income. | 12/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 409029174 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409012899 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/21/2025 | Waived | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Missing LOE regarding credit inquiries. | ;  | 11/25/2025 | Waived per client request. Risk accepted for B grade. Client acknowledged the following XXX (XXX) compensating factors for this purpose: X) Borrower has stable job time and X) Qualifying FICO is Greater than the Guideline Minimum.  | 11/25/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A |
| 409026497 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409026219 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409026320 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/20/2025 | Resolved | FCRE1469 | Credit | Asset X Missing | Asset XXX Missing BX final application reflects proceeds from a secured loan of $XXX. The Loan Approval required a copy of the final signed CD for the refinance of XXX, documenting the payoff of the mortgage with Service Mac and netting at least $XXX. Provide required documentation to support these funds. | ; Documentation received, XXX to review.; Document Uploaded. ; ;  | 11/26/2025 | Asset X Provided Or Not Applicable; Asset X Missing | 11/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409026320 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/20/2025 | Resolved | FCRE1118 | Credit | Borrower X Deed of Trust Signature does not match Note | Borrower XXX Signature does not match Note Borrower XXX did not sign deed of trust. This may be acceptable once the operating agreement is reviewed; however, without being able to see the operating agreement at this time, the exception remains. Please provide Operating Agreement and Articles of Organization for XXX.  | ; Documentation received, XXX to review.; Document Uploaded. ; ;  | 11/26/2025 | Borrower X Signature matches Note | 11/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 409026320 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/19/2025 | Resolved | FCRE1479 | Credit | Asset X Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. Accountchek for XXX acct ending XXX with a balance of $XXX only covers the following time period: XXX - XXX. Provide XXX months statements or Account check covering XXX months as required per guidelines.  | ; Documentation received, XXX to review.; Document Uploaded. ; ;  | 11/26/2025 | Asset Record X Meets G/L Requirements | 11/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 409026320 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/19/2025 | Resolved | FCRE1480 | Credit | Asset X Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements Accountchek for XXX acct ending XXX with a balance of $XXX only covers the following time period: XXX - XXX. Provide XXX months statements or Account check covering XXX months as required per guidelines.  | ; Documentation received, XXX to review.; Document Uploaded. ; ;  | 11/26/2025 | Asset Record X Meets G/L Requirements Or Not Applicable | 11/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 409026320 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/19/2025 | Resolved | FCRE5123 | Credit | Missing Business Entity Formation Document | Missing Operating Agreement, Articles of Organization, Certificate of Good Standing and fully executed W-X form for XXX. These documents are required per guidelines. There is a form provided that appears to indicate a Legal Department reviewed these documents and granted an exception for not having an Operating Agreement. This form is not acceptable. Please provide the documents all of the documents for audit review. If an exception is requested for not having an Operating Agreement for XXX, please provide the official exception granted by lender. There is no documentation in file to indicate any exceptions were granted by lender (XXX). | ; Documentation received, XXX to review.; Document Uploaded. ; ;  | 11/26/2025 | Business entity formation docs provided.  | 11/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409025801 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409025422 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409026033 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/21/2025 | Waived | finding-4038 | Compliance | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (XX CFR XXXX(e)(XXX))The loan amount is $XXX or more, and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds $XXX; orThe loan amount is less than $XXX and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX. This loan has points and fees that exceed the points and fees threshold. (XX CFR XXXX(e)(XXX))The loan amount is $XXX or more, and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds $XXX; orThe loan amount is less than $XXX and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX. |  | 11/24/2025 | Client acknowledges EVX/B finding. Exception status changed to Waived per client's email request. | 12/09/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> C<br> B<br> A |
| 409026033 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/21/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXXXX(e)(XXX)(i))The loan contains charges that exceed the good faith determination according to §XXXXX(e)(XXX)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXX(e)(XXX)(i). TILA XXXb Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or valid COC. The zero tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for Appraisal. The COC in file indicate "appraisal updated" but the invoice shows the borrower paid the additional charge on XX/XX/XXXX but wasnt disclosed until XX/XX/XXXX | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/08/2025 | Cure package provided to the borrower; exception downgraded to a X/B; Cure package provided to the borrower; exception downgraded to a X/B | 12/08/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> C<br> B<br> A |
| 409026417 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409026489 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409026902 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/19/2025 | Waived | FCRE2008 | Credit | Rent Loss Coverage Not Sufficient | The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is selected as No, indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. An investor Exception was Approved for lack of rent loss coverage. Compensating factors listed are LTV and high credit score  | ;  | 11/26/2025 | Client approved exception to guidelines. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: LTV and high credit score. | 11/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> B<br> C<br> A |
| 409026902 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/19/2025 | Resolved | FCOM1232 | Credit | The Final XXXX is Missing | The Final XXX is Missing Missing the Final XXX . | ; Documentation received, XXX to review.; Document Uploaded. ; ; ;  | 11/26/2025 | The Final XXX is Present | 11/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> B<br> A |
| 409029252 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/21/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Provide mortgage statements, tax bill and HOI premium documentation to support housing obligation for XXX Lapstone Ln does not exceed $XXX | ; Documentation received, XXX to review.; Document Uploaded. ;  | 11/26/2025 | Payment documentation provided. ; ;  | 11/26/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> B |
| 409029252 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/21/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required to clear exception: First eSigned document in the loan file is dated XX/XX/XXXX. Please provide eConsent date on or before XX/XX/XXXX.  | ; Documentation received, XXX to review.; Document Uploaded. ;  | 11/24/2025 | Evidence of eConsent is provided. | 11/26/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> B |
| 409030558 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/21/2025 | Waived | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Missing LOE regarding credit inquiries. | ;  | 11/26/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX FICO; XXX DSCR; XXX mos PITIA reserves. | 11/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A |
| 409030558 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/21/2025 | Waived | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Per XXX DSCR XXX, all loans require rent loss insurance covering a minimum of XXX months for the subject property for the greater of in place or market rent during disruption. | ;  | 11/26/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX FICO; XXX DSCR; XXX mos PITIA reserves. | 11/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A |
| 409031545 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/21/2025 | Resolved | FCRE7805 | Credit | Missing Income - Bank Statements | Missing bank statement used for income qualifications for the month of XXX, XXX for XXX account #XXX. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/04/2025 | Bank Statement provided.  | 12/04/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A |
| 409030247 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/24/2025 | Waived | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Borrower's spouse paid $XXK to borrower's business for verified services. This deposit has not been excluded. Lender has provided an Exception in file dated XXX to allow use of business income paid by relative. Compensating factors: FICO of XXX; XXX years line of work; residual income $XXX, excluding $XXX in business deposit. Exception is pending loan meeting all other guideline requirements. Reserve requirement has not been met, and loan is not identified on exception approval documentation as IO.  | ; ;  | 12/08/2025 | Client confirmed IO, DTI up to XXX%, and minimum reserves of $XXX meet qualifications for guideline exception for B grade.  | 12/08/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> C<br> A |
| 409030247 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/24/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements FM Homes variance requires XXX months of PITIA for the subject property. Assets totaling $XXX are gift funds, and guidelines do not allow gift funds to be used for reserves.  | In XXX review for possible exception to use gift funds for reserves for AMEX balance.; Comment received, XXX to review. "Please utilize the gift funds for the borrowers AMEX monthly account. FM Home Loans guidelines are silent on funds specific to OPEN XX-DAY charge accounts and would defer to FNMA which would allow the use of gift funds for AMEX purposes."; Please utilize the gift funds for the borrowers AMEX monthly account. FM Home Loans guidelines are silent on funds specific to OPEN XX-DAY charge accounts and would defer to FNMA which would allow the use of gift funds for AMEX purposes.; Per Email From DD: We updated the ITIA for the reserve requirement, and now we are short $XXXX due to the AMEX balance monthly account. If the Seller has proof that this was balance paid prior to close, the reserves will no longer be short. ; ; ;  | 12/08/2025 | Asset Qualification Meets Guideline Requirements | 12/08/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> C<br> A |
| 409030247 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/24/2025 | Resolved | FCRE8506 | Credit | Application Profile Missing | Missing Business Narrative for both of the Borrower's businesses used to qualify as required for the XXX Expanded XXX Bank Statement Program. | ; XXX contacted DD to review.;  | 12/02/2025 | Per client email, per verbal agreement included with FM Home, this is included in variance as not required. Finding is resolved.  | 12/02/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A |
| 409031546 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409025779 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/20/2025 | Waived | finding-4038 | Compliance | Qualified Mortgage Lending Policy Points and Fees Test | N/A, non QM loan This loan has points and fees that exceed the points and fees threshold. (XX CFR XXXX(e)(XXX))The loan amount is $XXX or more, and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds $XXX; orThe loan amount is less than $XXX and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX. |  | 11/26/2025 | Client is waiving in Points and Fees for non-QM. Client acknowledges EVX/B finding. Exception status changed to Waived per client's email request. | 11/26/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> B<br> A |
| 409025779 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/24/2025 | Waived | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% Lender granted exception in file for XXX% LTV Second Home Occupancy for non warrantable condo. Low DTI of XXX%, XXX months reserves, XXX% of own money into the purchase.  | ;  | 11/26/2025 | Lender granted exception in file for XXX% LTV Second Home Occupancy for non warrantable condo. Low DTI of XXX%, XXX months reserves, XXX% of own money into the purchase. | 11/26/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> B<br> A |
| 409021285 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409026288 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409026584 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/24/2025 | Rescinded | FPRO0951 | Property | Condo Approval Missing | Condo Approval Missing. Subject property is a Non-Warrantable Condo. Lender exception in file for non-warrantable condo not approved by XXX.  | ;  | 11/25/2025 | ; Condo Approval is provided. | 11/25/2025 | A |
| 409026584 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/24/2025 | Rescinded | FPRO1502 | Property | HOA Does Not Meet Guidelines | HOA Does Not Meet Guidelines Subject property is a Non-Warrantable Condo. Exception in file (pages XXX, XXX) | ;  | 11/25/2025 | ; HOA Meets Guidelines | 11/25/2025 | A |
| 409025125 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/25/2025 | Waived | FCRE0376 | Credit | Tradelines do not meet Guideline Requirements | The lender's minimum tradeline requirements have not been met per guidelines. Client approved an exception to guidelines for less than XXX tradelines. Compensating factors: Lengthy prior credit history, low obligations, and high net worth.  |  | 11/26/2025 | Client approved lending guideline exception for B grade. Compensating factors: Lengthy prior credit history, low obligations, and high net worth. | 11/26/2025 | Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> C<br> B<br> A |
| 409025651 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409025757 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/24/2025 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Missing LOE regarding credit inquiries. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/04/2025 | LOE for credit inquiries provided.  | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409026414 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/24/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX The title policy in the file shows a coverage amount of $XXX which is less than the loan amount of $XXX. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/03/2025 | Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> B<br> A |
| 409028950 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/24/2025 | Waived | FCRE0376 | Credit | Tradelines do not meet Guideline Requirements | The lender's minimum tradeline requirements have not been met per guidelines. Guidelines require XXX tradelines open for XXX months and active within the most recent XXX months or XXX tradelines reporting XXX months recent activity. Borrower only has XXX tradeline. Borrower only has XXX recent and active tradeline. Lender granted exception for less than XXX recent and active tradelines per guidelines requirements. LTV of XXX%,Reserves of $XXX |  | 11/26/2025 | Lender granted exception for B grade for less than XXX recent and active tradelines per guidelines requirements. Comp factors: LTV of XXX%,Reserves of $XXX | 11/26/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> B<br> A |
| 409029271 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/25/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | There is no verification of HOA dues or (no HOA dues) for primary residence XXX. The Final XXX has a $XXX expense listed for monthly insurance, taxes and association dues and no document was provided to verify what this expense is or how much it is. The mortgage statement for the property does indicate it includes escrows. Please provide evidence of the $XXX expense and verification of the monthly HOA dues or verification the property does not have HOA dues. | ; Document Uploaded. ; Documents uploaded for review.;  | 12/11/2025 |  | 12/11/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> B |
| 409029271 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/21/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (XX CFR XXXXXXX(a)(X)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX CFR XXXX(a)(XXX)). Provide evidence the consumer received a copy of the appraisal within XXX days prior to consummation.  | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/08/2025 | Evidence of appraisal delivery provided. | 12/11/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> B |
| 409030462 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409026436 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409026540 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/24/2025 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete The mortgage document is missing a complete and legible page XXX of XXX. Page XXX contains only a top portion of the document, as the Exhibit "A" legal description overlaps the remainder of the page.  | ; ; Document Uploaded. DOT received, in XXX review.;  | 12/04/2025 | The Deed of Trust is Present and Complete | 12/04/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> A<br> B |
| 409026540 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/24/2025 | Resolved | FPRO1501 | Property | HOA Questionnaire is Incomplete | HOA Questionnaire incomplete Per XXX DSCR Program Eligibility Guide XXX, all condo questionnaires must be on either a FNMA XXX or FHLMC full form and the submitted condo questionnaire form does not conform to any of the acceptable forms. | ;  | 12/01/2025 | HOA Questionnaire Provided | 12/04/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> A<br> B |
| 409026929 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/24/2025 | Waived | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Missing LOE for credit inquiries dated XXX days from the credit report.  | ;  | 11/25/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX% LTV, XXX DSCR, XXX mos PITIA Reserves | 11/25/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> B<br> A |
| 409028994 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409029082 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/24/2025 | Waived | FCRE2008 | Credit | Rent Loss Coverage Not Sufficient | The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is selected as No, indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. Missing Rent Loss Insurance covering a minimum of XXX months for the subject property for the greater of in-place or market rent during disruption. | ;  | 12/01/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXXX DSCR; XXX FICO; XXX mos PITIA reserves. | 12/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409030539 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/24/2025 | Resolved | FCOM1223 | Credit | The Deed of Trust is Not Executed | The Deed of Trust is Not Executed | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/04/2025 | The Deed of Trust is Executed | 12/04/2025 | D<br> A |
| 409030570 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/21/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required to clear exception: 1st eSigned document in the file is dated XX/XX/XXXX. Please provide eConsent dated on or before XX/XX/XXXX.  | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/01/2025 | Evidence of eConsent is provided. | 12/01/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 409030911 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409030884 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Waived | FCRE2515 | Credit | Credit history does not meet guidelines | Client is allowing highest wage earner mid score for qualifying. Client accepts risk for B grade and acknowledges the following three (XXX) compensating factors for this purpose: Highest wage earner contributes XXX% of household income, DTI XXX%, and LTV XXX%. |  | 12/01/2025 |  | 12/01/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 409031542 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/25/2025 | Resolved | FCRE2109 | Credit | Missing Lender Income Calculation Worksheet | The file contains Lender Income Calculation Worksheet reflecting income for qualification of $XXX/mo. However, the Final XXX and XXX both reflect income of $XXX/mo. Lender to provide worksheet reflecting calculation for income used to qualify. | ; Documentation received, XXX to review.; Document Uploaded. enclosed please find the corrected XXXX/XX/XXXX with the income matching worksheet;  | 12/09/2025 | Corrected XX/XX/XXXX provided.  | 12/09/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> B<br> A |
| 409031542 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/25/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). Missing Insurer estimate of replacement cost  | ; Documentation received, XXX to review.; Document Uploaded. enclosed please find the RCE that was in our file... it is showing replacement of $XXX;  | 12/09/2025 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 12/09/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> B<br> C<br> A |
| 409031542 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/24/2025 | Resolved | FCOM1544 | Compliance | TRID: Missing Closing Disclosure | TRID: Missing Final Closing Disclosure Cure- Please provide all pages of final CD dated XX/XX/XXXX (missing page XXX).  | ; Documentation received, XXX to review.; Document Uploaded. all pages of CD;  | 12/08/2025 | TRID: Final Closing Disclosure Provided | 12/09/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> B<br> A |
| 409031542 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/25/2025 | Waived | FCRE8506 | Credit | Application Profile Missing | Missing Business Narrative required for the XXX Expanded XXX Bank Statement Program. | ; Not required per FM Guides with Variance.;  | 12/04/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX% DTI; XXX FICO; XXX mos PITIA reserves.; Variance provided for XXX loans does not indicate that a business narrative is not required.  | 12/05/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> B<br> A |
| 409031542 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/25/2025 | Waived | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements XXX Expanded XXX guidelines require two months of bank statements to verify assets. Bank statement provided from XXX #XXX dated XXX. Missing XXX statement from loan file. | ; Meets FM Guides. Please review.;  | 12/04/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX% DTI; XXX FICO; XXX mos PITIA reserves.; Variance provided for XXX loans does not indicate that one month of bank statements is acceptable for use of assets.  | 12/05/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> B<br> C<br> A |
| 409031822 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 11/24/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (XX CFR XXXXXXX(a)(X)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX CFR XXXX(a)(XXX)). Cure - Provide evidence consumer received a copy of the appraisal XXX days prior to consummation XX/XX/XXXX. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/04/2025 | Evidence of appraisal delivery provided. | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A<br> B |
| 409031822 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 11/24/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (XXX CFR § XXXX(a)(XXX))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 XXX CFR §XXXXX, 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; however appraisal requirements not met.  | ;  | 12/04/2025 | ; HPML compliant; Exception resolved | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 409031822 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 11/24/2025 | Resolved | finding-4033 | Compliance | Qualified Mortgage Safe Harbor Threshold | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (XXX CFR §XXXXX(b)(XXX), (e)(XXX))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%.A 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.Higher-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 XXX or more percentage points for a first-lien covered transaction, or by XXX or more percentage points for a subordinate-lien covered transaction. HPML with established escrows; however appraisal requirements not met.  | ;  | 12/04/2025 | ; Duplicate | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 409031822 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 11/24/2025 | Resolved | FCOM3531 | Compliance | Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (XX CFR XXXXXXX(c)(X)) | Evidence of Appraisal Delivery to the Borrower Not Provided. HPML with established escrows; however appraisal requirements not met.  | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/04/2025 | Evidence of Appraisal Delivery to the Borrower Provided. | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 409031658 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/24/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXXXX(e)(XXX)(i))The loan contains charges that exceed the good faith determination according to §XXXXX(e)(XXX)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXX(e)(XXX)(i). TILA XXXb Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for Appraisal Fee (XXX) and from $XXX to $XXX for Appraisal Fee (XXX). A COC was provided, however, did not provide specific enough reasoning for the increase(s).  | ; Documentation received, XXX to review.; Document Uploaded. ; ; ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/08/2025 | Cure package provided to the borrower; exception downgraded to a X/B; Cure package was missing a copy of the check, will downgrade upon receipt of the copy of the check | 12/08/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409031658 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/24/2025 | Resolved | FCOM1266 | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Cure- provide Homeownership counseling organizations disclosure dated within XXX days of initial application XX/XX/XXXX. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/03/2025 | Homeownership Counseling Disclosure Is Present or Not Applicable | 12/03/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409031658 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/24/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Cure- Provide the Affiliated Business disclosure that was provided to the consumer within XXX business days of application XX/XX/XXXX. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/03/2025 | Required Affiliated Business Disclosure Documentation Provided | 12/03/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409031596 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409026029 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409026110 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409026995 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409027023 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409029110 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/25/2025 | Waived | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Missing LOE for credit inquiries dated XXX days from the credit report.  | ;  | 12/04/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX DSCR; XXX FICO; XXX% LTV; XXXX mos PITIA reserves. | 12/04/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> B<br> A |
| 409030568 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/24/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation Required- Missing eSigned documents consent. Intent to Proceed and other initial disclosures were electronically signed on XX/XX/XXXX. | ; Documentation received, XXX to review.; Document Uploaded. ; ; Documentation received, XXX to review.; Document Uploaded. ; ;  | 12/04/2025 | Evidence of eConsent is provided.; Intent to Proceed and other initial disclosures were electronically signed on XX/XX/XXXX. Please provide proof borrower provided e-consent on XX/XX/XXXX or before. The document uploaded is dated XX/XX/XXXX | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 409030576 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409031032 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409031223 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409032179 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/25/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. A CDA is required. | ; ; Document Uploaded. Documentation received, XXX to review.;  | 12/12/2025 | Third party valuation product provided within tolerance. | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 409025300 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/24/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing CDA UCDP score not provided  | ; Documentation received, XXX to review.; Document Uploaded. ;  | 11/30/2025 | Third party valuation product provided within tolerance. | 01/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 409026462 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409027053 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/25/2025 | Waived | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Missing LOE regarding credit inquiries. | ;  | 12/02/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX mos PITIA reserves, XXX DSCR, XXX% LTV. | 12/02/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> B<br> A |
| 409027047 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409025909 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409026985 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409029026 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/25/2025 | Resolved | FCRE1157 | Credit | Hazard Insurance Policy is Missing | Missing Hazard Insurance Policy Missing the Hazard Insurance Policy. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/05/2025 | Hazard Insurance Policy is fully present | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409029026 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/26/2025 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Missing Rent Loss Insurance covering a minimum of XXX months for the subject property for the greater of in-place or market rent during disruption. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/05/2025 | Rent Loss Coverage Present | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409031281 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/26/2025 | Waived | finding-4038 | Compliance | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (XX CFR XXXX(e)(XXX))The loan amount is $XXX or more, and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds $XXX; orThe loan amount is less than $XXX and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX. Non-QM for points and fees exceeding XXX% is not allowed per XXX Expanded guidelines. The points and fees total XXX%. |  | 12/02/2025 | Waived per client request. Client acknowledges EVX/B finding and states they are accepting points and fees above X% and below X% for all XXX Expanded loan products.  | 12/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 409030992 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/01/2025 | Resolved | FCRE1241 | Credit | Purchase Contract is Missing | Loan Purpose is Purchase but Purchase Contract Doc is Missing |  | 12/02/2025 | Purchase Contract Doc is not Missing, or is Not Applicable. | 12/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 409032167 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409016419 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXXXX(e)(XXX)(i))The loan contains charges that exceed the good faith determination according to §XXXXX(e)(XXX)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXX(e)(XXX)(i). TILA XXXb Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Transfer Taxes added on final CD. | ; Documentation received, XXX to review.; ; ; Document Uploaded. Please see the attached COC letter issued XX/XX/XX. Thank you.;  | 12/08/2025 | COC provided; Exception resolved; COC provided; Exception resolved | 12/08/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> A<br> C |
| 409016419 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCRE1355 | Credit | Borrower X CPA Letter Missing | Borrower XXX CPA Letter Missing Provide CPA letter confirming usage percentage  | ; Documentation received, XXX to review.; Document Uploaded. Please see the attached email from the CPA. Thank you.;  | 12/08/2025 | Borrower X CPA Letter Provided or Not Applicable (Number of Borrowers equals X) | 12/08/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> A<br> C |
| 409016419 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCRE1372 | Credit | Borrower X Business Bank Statements Missing | Borrower XXX Business Bank Statements Missing Provide the missing bank statements to complete the full XXX mos statements requirement used for income calculation of BX at $XXX. Full XXX mos history is required to verify deposit trends, recurring business inflows and income stability. Also provide the Business Narrative for the Bank Statement program | ; Documentation and comment received, XXX to review.; Document Uploaded. Please see the LOE from the borrower located at page XXX of the shipped loan package, stating that all of the income comes through Canfield Madow Law Group. I attached the XXX months business bank statements for review. Thank you for your help. ;  | 12/08/2025 | Borrower X Business Bank Statements Provided or Not Applicable (Number of Borrowers equals X) | 12/08/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> A<br> C |
| 409016419 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCRE1325 | Credit | Borrower X CPA Letter Missing | Borrower XXX CPA Letter Missing Provide CPA letter confirming usage percentage  | ; Documentation received, XXX to review.; Document Uploaded. Please see the attached email from the CPA. Thank you.;  | 12/08/2025 | Borrower X CPA Letter Provided | 12/08/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> A<br> C |
| 409016419 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCRE1342 | Credit | Borrower X Business Bank Statements Missing | Borrower XXX Business Bank Statements Missing Provide the missing bank statements to complete the full XXX mos statements requirement used for income calculation of BX at $XXX. Full XXX mos history is required to verify deposit trends, recurring business inflows and income stability. Also provide the Business Narrative for the Bank Statement program | ; Documentation and comment received, XXX to review.; Document Uploaded. Please see the LOE from the borrower located at page XXX of the shipped loan package, stating that all of the income comes through Canfield Madow Law Group. I attached the XXX months business bank statements for review. Thank you for your help. ;  | 12/08/2025 | Borrower X Business Bank Statements Provided | 12/08/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> A<br> C |
| 409025786 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409031087 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Waived | finding-4038 | Compliance | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (XX CFR XXXX(e)(XXX))The loan amount is $XXX or more, and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds $XXX; orThe loan amount is less than $XXX and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX. Loan originated as non-QM, but per XXX Expanded XXX guidelines, loans cannot be non-QM for points and fees exceeding XXX% . Points and fees total XXX%.<br>| ; ;  | 12/11/2025 | Waived per client request. Client acknowledges EVX/B finding and states they are accepting points and fees above X% and below X% for all XXX Expanded loan products. | 12/11/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> B<br> C<br> A |
| 409031087 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Waived | FCRE0376 | Credit | Tradelines do not meet Guideline Requirements | The lender's minimum tradeline requirements have not been met per guidelines. Borrower does not meet tradeline requirement. XXX expanded guidelines require Two (XXX) tradelines must be open for twenty-four (XX) months and active within the most recent twelve (XX) months. Borrower has one open tradeline for XXX months, with second one being opened XX/XX/XXXX.  | ; ;  | 12/11/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX% DTI; XXX FICO; XXX mos PITIA Reserves; $XXX/month Residual Income. | 12/11/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> B<br> C<br> A |
| 409031087 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCOM9208 | Compliance | Initial Loan Estimate delivered more than X business days from application | Documentation required to clear exception. Missing the Initial (and any applicable re-disclosed) LE issued within XXX days of the application date. | ; ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/11/2025 | Initial LE provided; Exception resolved | 12/11/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> B<br> C<br> A |
| 409031087 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Waived | FCRE1316 | Credit | Borrower X 3rd Party VOE Prior to Close Missing | Borrower XXX 3rd Party VOE Prior to Close Missing | ; ; Please waive for B Grade within XX days. Discussed with team and fine to accept for SE borrower. Comp Factors XXXX mos PITIA reserves, XXX% DTI; FICO: XXX; Comment received, XXX to review.; Per our guidelines max is XX days for income documentation, please waive; ;  | 12/11/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose XXXX mos PITIA reserves, XXX% DTI; FICO: XXX; Missing compensating factors in order to waive finding as requested. ; Missing 3rd party verification within XX days of closing as required per guidelines. CPA letter in file is dated XX/XX/XXXX, loan closed XX/XX/XXXX | 12/11/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> B<br> A<br> C |
| 409031087 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/05/2025 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than XX% Test | Missing SSPL Missing SSPL This loan failed the charges that in total cannot increase more than XXX% test. (XX CFR §XXXXX(e)(XXX)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXXX(e)(XXX)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXXX(e)(XXX)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXXX(e)(XXX)(vi). This loan failed the charges that in total cannot increase more than XXX% test. (XX CFR §XXXXX(e)(XXX)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXXX(e)(XXX)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXXX(e)(XXX)(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 §XXXXX(e)(XXX)(vi). Can you please tell us what increased per our compliance report nothing did, it actually decreased. Can you please tell us what increased per our compliance report nothing did, it actually decreased. Document Uploaded. Document Uploaded. SSPL provided; Exception resolved SSPL provided; Exception resolved | ; Document Uploaded. XXX to review.; ;  | 12/11/2025 | ;  | 12/11/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> B<br> C<br> A |
| 409031087 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). Insufficient hazard insurance provided. Provide updated Insurance dec page showing coverage in the amount of the lien or guaranteed replacement coverage.  | ; Documentation received, XXX to review.; Document Uploaded. RCE attached;  | 12/08/2025 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 12/08/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> B<br> C<br> A |
| 409031087 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Cured | FCOM8896 | Compliance | Final CD: Loan Disclosures Assumption incomplete or inaccurate | Final CD shows loan as assumable. Per note and deed of trust, loan is Fixed rate and not assumable.  | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/08/2025 | Cure package provided to the borrower; exception downgraded to a X/B | 12/08/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> B<br> C<br> A |
| 409031087 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | ; comment received, XXX to review.; We do not have any affiliates, no disclosure is needed;  | 12/05/2025 | Required Affiliated Business Disclosure Documentation Provided | 12/05/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> B<br> A<br> C |
| 409031087 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCOM3608 | Compliance | Intent to Proceed is Missing | The intent to proceed is missing. The intent to proceed is missing. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/05/2025 | Proof of Intent to Proceed has been provided. | 12/05/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> B<br> A<br> C |
| 409031087 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCOM1266 | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/05/2025 | Homeownership Counseling Disclosure Is Present or Not Applicable | 12/05/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> B<br> A<br> C |
| 409031087 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/05/2025 | Evidence of eConsent is provided. | 12/05/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> B<br> A<br> C |
| 409026934 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409027046 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCRE6737 | Credit | Missing Letter of Explanation (Income) | The loan file is missing the Business Narrative for XXX .  | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/05/2025 | Business narrative provided.  | 12/05/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> A<br> B |
| 409027046 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing To cure the defect please provide the Affiliated Business Disclosure sent within XXX business days of application or proof the lender does not have affiliates.  | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/05/2025 | Required Affiliated Business Disclosure Documentation Provided | 12/05/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> A<br> B |
| 409027046 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Please provide evidence the consumer consented to receiving documents electronically by application.  | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/05/2025 | Evidence of eConsent is provided. | 12/05/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> A<br> B |
| 409028962 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409029016 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/26/2025 | Resolved | FPRO1500 | Property | HOA Questionnaire is Missing | HOA Questionnaire Missing | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/08/2025 | HOA Questionnaire Provided | 12/08/2025 | D<br> A |
| 409029016 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/26/2025 | Resolved | FPRO0951 | Property | Condo Approval Missing | Condo Approval Missing. Condo Questionnaire Missing | ; Documentation received, XXX to review.; Document Uploaded. ; ;  | 12/08/2025 | Condo Approval is provided. | 12/08/2025 | D<br> A<br> B |
| 409029016 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 11/26/2025 | Resolved | FCRE1173 | Credit | HOX Master Insurance Policy is Missing | Missing HO-6 Master Insurance Policy Master policy not in file. | ; Document Uploaded. ; Documentation received, XXX to review.;  | 12/08/2025 | HO-6 Master Insurance Policy is fully present | 12/08/2025 | D<br> A |
| 409029244 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409030242 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409030648 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409029030 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/01/2025 | Resolved | FCOM1233 | Credit | The Final XXXX is Incomplete | The Final XXX is Incomplete Final XXX does not list XXX under section XXX REO Section  | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/04/2025 | The Final XXX is Present | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409030443 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/01/2025 | Resolved | FCRE1964 | Credit | Missing income documentation | The lender's guidelines requires for all files to include a Business Narrative for the Bank Statement Program. The loan file contained a Business Narrative; however, it was not signed/or dated. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/10/2025 | Business narrative received | 12/10/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A |
| 409030470 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/01/2025 | Waived | FCRE2008 | Credit | Rent Loss Coverage Not Sufficient | The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is selected as No, indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. XXX XXX Guidelines require XXX months rent loss coverage for minimum of XXX months of market rents (subject is vacant). HOI policy reflects $XXX coverage vs the $XXX required. |  | 12/04/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: X) FICO of XXX greater than minimum, X) No credit derog, established mortgage history, and X) DSCR of XXX. | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409026109 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/01/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX located on page XXX | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/08/2025 | Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX | 12/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 409026331 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/01/2025 | Waived | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Missing LOE for credit inquiries dated XXX days from the credit report.  | ;  | 12/04/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX DSCR; XXX FICO; XXX Mos PITIA reserves. | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A |
| 409030468 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409030475 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/02/2025 | Resolved | FVAL1628 | Property | No HOA fees on appraisal and property identified as a PUD | Appraisal states $XXX HOA, however XXX, XXX and Final CD reflect HOA's.  | ; Comment received, XXX to review.; This property is not a PUD and not subject to HOA dues. We did note that the location includes a voluntary clubhouse with XXXt slip access which was included in housing expense as more conservative approach, but this is not a mandatory membership.<br>The loan documents and appraisal are correct as reflected no HOA.;  | 12/14/2025 |  | 12/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C |
| 409030475 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/02/2025 | Resolved | FCOM1887 | Compliance | Missing QM/ATR Checklist | XXX Expanded XXX requires the Seller to provide QM designation in the loan file. This documentation was not contained in the loan file for review. Please provide.  | ; ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/14/2025 | XXX provided with QM designation.  | 12/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C |
| 409030475 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/01/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Per the Privacy Notice disclosure, Quontic Bank has affiliates. Please Provide the Affiliated Business disclosure that was provided to the consumer within XXX business days of application XX/XX/XXXX.. | ; Documentation received in XXX review.; Document Uploaded. ;  | 12/08/2025 | Required Affiliated Business Disclosure Documentation Provided | 12/13/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> B<br> C |
| 409030607 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/02/2025 | Rescinded | FCRE2335 | Credit | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX. | ; ;  | 12/04/2025 | ; Qualifying DSCR meets Guidelines | 12/04/2025 | A |
| 409030997 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/01/2025 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Rent loss coverage is missing. | ; Document Uploaded. ; Documentation received, XXX to review.; just to confirm, are X months of rent loss required? or how many months.;  | 12/13/2025 | Rent Loss Coverage Present; ;  | 12/13/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409030997 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/01/2025 | Resolved | FCRE1479 | Credit | Asset X Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. Missing explanation for XXX large deposits into Truist checking XXX. Amounts: $XXX on XX/X/XX and $XXX on XX/X/XX.  | ; Documentation and received, XXX to review.; Document Uploaded. both deposits are from the sales of two different properties. please waive this condition as the docs were already provided in the credit pkg.;  | 12/08/2025 | Asset Record X Meets G/L Requirements | 12/13/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 409032237 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXXXX(e)(XXX)(i))The loan contains charges that exceed the good faith determination according to §XXXXX(e)(XXX)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXX(e)(XXX)(i). TILA XXXb Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Credit Report on LE XX/XX/XXXX. COC dated XX/XX/XXXX does not reference the increase in credit report fee.  | ; Document Uploaded. ; Documentation received, XXX to review.; Documentation received, XXX to review.; Document Uploaded. ;  | 12/11/2025 | Valid COC provided; Exception resolved; A credit report fee is not tied to the interest rate therefore a rate lock is not a valid reason for the fee to increase. (i) General rule. An estimated closing cost disclosed pursuant to paragraph (e) of this section is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under paragraph (e)(X)(i) of this section, except as otherwise provided in paragraphs (e)(X)(ii) through (iv) of this section. Provide a valid reason for the credit report fee to increase above the amount originally disclosed | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> C<br> A |
| 409026024 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCOM4227 | Compliance | TRID: Missing Closing Disclosure | Documentation required to clear exception: The initial CD, any revised CDs and the Final CD are missing from the file. As a results, the following reviews could not be performed. TILA Accuracy, QM Testing, Federal and State Testing, tolerance violation review, and final Closing Disclosure accuracy. The defect can be cured by providing the Closing Disclosures that were issued to the consumer. In addition, evidence that the initial was received by the consumer at least XXX business days prior to the consummation date is required.  | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/08/2025 | CDs provided; Exception resolved | 12/08/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409030592 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409031022 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409026434 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/02/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The loan file has inconsistencies in regard to the property being in PUD and having monthly HOA dues. The appraisal reflects the property is in a PUD with HOA does of $XXXper month. The title does not reflect subject is in a PUD and the Mortgage does not have a PUD rider. The loan file also contains a letter from the borrower regarding no HOA dues on the subject property. The HOA dues was not included by the initial underwriter in the DSCR ratio calculation. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/13/2025 | Property/Appraisal Meets Guidelines | 12/13/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A<br> B |
| 409026434 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/02/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX The Note reflects a loan amount of $XXX. The Title reflects coverage amount of $XXX which does not cover the loan amount on the Note.  | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/10/2025 | Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX | 12/13/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A<br> B |
| 409031055 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/01/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Missing affiliated business disclosure. | ; ; Document Uploaded. ; updated ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/15/2025 | Required Affiliated Business Disclosure Documentation Provided; Received confirmation lender has no affiliates; The document provided is the SSPL and not the lender's missing Affiliated Business Disclosure. Please provide the Lender's missing Affiliated Business Disclosure | 12/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> B |
| 409031055 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/02/2025 | Resolved | FCRE7495 | Credit | Verification of Borrower Liabilities Missing or Incomplete | Missing evidence of the housing payment for the investment property located at XXX. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/11/2025 |  | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> B |
| 409031055 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/02/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The file did not contain verification of the housing payment for the Primary residence. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/11/2025 |  | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> B |
| 409031066 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409027036 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409030228 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/01/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Secondary evaluation per guidelines not included in file and UCDP Score XXX and not eligible for Rep an Warrant Relief <br>| ; Documentation received, XXX to review.; CDA; ;  | 12/08/2025 | Third party valuation product provided within tolerance. | 12/08/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> C<br> B<br> A |
| 409030228 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/03/2025 | Waived | FCRE8981 | Credit | Purpose does not meet eligibility requirement(s) | XXX DSCR XXX Guidelines state: For refinance transactions, single family properties must be leased at the time of closing and the borrower must provide evidence that the property has been leased. The subject is a vacant single family property, and there is no evidence that the property has a lease in place. | ; ;  | 12/04/2025 | Document Uploaded. Client approved exception received. Client accepts risk for B grade and acknowledges the following two compensating factors: X) Reserves and X) Investor History.  | 12/04/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> C<br> B<br> A |
| 409030228 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/03/2025 | Resolved | FCRE8201 | Credit | Loan does not conform to program guidelines | Client's delivery confirmation indicates a loan exception was approved on XX/XX/XXXX, but a copy of this exception was not contained in the loan file.  | ; Client provided exception documentation.  | 12/04/2025 | ; Document Uploaded.  | 12/04/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> C<br> B<br> A |
| 409026543 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409031264 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409026446 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409026423 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/02/2025 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Missing LOE for credit inquiries dated XXX days from the credit report.  | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/12/2025 | LOX for credit inquiries received | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409028997 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/03/2025 | Waived | FCRE2008 | Credit | Rent Loss Coverage Not Sufficient | The Loss Rent Coverage is Sufficient field on the Rent Loss Coverage Details card, found on the Property Insurance page is selected as No, indicating the loss rent coverage does not meet guideline requirements. Please check for accuracy and make appropriate corrections. | ;  | 12/05/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: Qualifying FICO is greater than guideline minimum, original CLTV is below guideline maximum, original LTV is below guideline maximum, and qualifying DTI is below max allowed.  | 12/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> C<br> B<br> A |
| 409031155 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409028968 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Waived | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The client granted an exception to allow asset utilization with less than $XXX post closing. Compensating factors: W9 job, low credit use. XXX FICO, departing residence owned free and clear.  |  | 12/04/2025 | Client accepts risk for B grade and acknowledges the following four (X) compensating factors for this purpose: WX job, low credit use, XXX FICO, departing residence owned free and clear. | 12/04/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409029303 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409026291 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Waived | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing business narrative as required by XXX Expanded guidelines for bank statement loans.  | ;  | 12/05/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: Stable job time, qualifying FICO is greater than guideline minimum, and qualifying DTI is below max allowed.  | 12/05/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> B<br> A |
| 409029307 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. To cure the defect provide evidence the consumer consented to receiving documents electronically by application XX/XX/XXXX or prior.  | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/10/2025 | Evidence of eConsent is provided.; electronic consent indicates as pending | 12/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> B<br> A |
| 409031681 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/02/2025 | Resolved | FCRE1146 | Credit | Title Document is Partially Present | Title Document is incomplete or only partially present. Required Spousal Consent Form is not contained in the loan file. | ; Spouse signed DOT and is on title. ; Escalated to DD. This was reviewed with XXX Compliance - Pending Review with DD escalations.; Spousal consent form should not be required on this transaction as the spouse is present on title and signed the DOT, they have vested interest. This would provide consent and not require the form. ; This came up before on other loans and was reviewed by XXX and on DSCR loan deemed not required.;  | 12/15/2025 | Title Document is fully Present.; Title Document is incomplete or only partially present.; ; State of XXX required spousal consent.  | 12/15/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A |
| 409031681 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/02/2025 | Waived | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. XXX DSCR XXX Guidelines state that no more than XXX (one) XXX-day mortgage late allowed in past XXX months. The XXX (account #XXXX) is not reporting on the credit report. Please provide documentation that shows satisfactory payment history for this account over the last XXX months. | ; ; Please waive for B Grade. Discussed with XXX Team and fine to proceed without since not on subject property or primary residence of borrower for the seller. Comp Factors: XXX% LTV; DSCR: XXX; FICO: XXX; This is a DSCR loan and your guidelines do not mention this at all. DSCR loans only require the primary and subject property housing payment history. This loan not associated with either the primary or subject but another investment property.;  | 12/15/2025 | Waived per client. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX% LTV; DSCR: XXX; FICO: XXX; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Credit report in file reporting mortgage history through X/XXXX. Missing verification of mortgage for open mortgage statements from X/XXXX and XX/XX/XXXX | 12/15/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409031681 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/02/2025 | Rescinded | FCRE5774 | Credit | Borrower X Credit Report is Incomplete | Borrower XXX Credit Report is Partially Present. Per XXX DSCR Program Eligibility Guide XXX, credit report must be dated no more than XXX days from the note date. However, the credit report in the file is XXX days old, which is outside the required XX-day window. | ; Credit report in file is dated X/XX/XX. XX days after X/XX/XX/XXXX is November XX, XXXX. With note date of XX/XX/XX Credit Report is within XX days. Due diligence to review and rescind.;  | 12/10/2025 | ; Borrower X Credit Report is not partially present. | 12/10/2025 | D<br> B<br> A |
| 409031046 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/04/2025 | Waived | FCRE8201 | Credit | Loan does not conform to program guidelines | Client's delivery email indicates a loan exception was approved. The exception documentation is not contained in the loan file.  | ; Exception Granted Preclose. Uploaded for DD Review.;  | 12/08/2025 | Waived per client. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: Fico XXX, XX > XXX min, LTV XXX%, X% < XXX% max, Res XXmo, XXmo > Xmo min | 12/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409031046 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/04/2025 | Waived | FCRE9488 | Credit | Potential Occupancy/Current Address Issues identified in the file | The intent and/or status of the borrower's occupancy is not supported in the file. XXX DSCR XXX Guidelines state: For refinance transactions, single family properties must be leased at the time of closing and the borrower must provide evidence that the property has been leased. The subject is a vacant single family property, and there is no evidence that the property has a lease in place. | ; Document Uploaded. Exception Granted Preclose. Uploaded for DD Review.;  | 12/08/2025 | Waived per client. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: Fico XXX, XX > XXX min, LTV XXX%, X% < XXX% max, Res XXmo, XXmo > Xmo min | 12/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409031492 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409026268 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409026444 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409029104 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/04/2025 | Waived | finding-4038 | Compliance | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (XX CFR XXXX(e)(XXX))The loan amount is $XXX or more, and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds $XXX; orThe loan amount is less than $XXX and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX. Non QM originated.  | ;  | 12/12/2025 | Waived per client request. Client acknowledges EVX/B finding and accepts points and fees above X% and below X% for all XXX Expanded loan products.  | 12/12/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A |
| 409029104 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/03/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing Mortgage statement for departing residence at XXX Tropic Drive. Documents provided support an amount of $XXX for taxes and $XXX for HOI = a total of $XXX. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/12/2025 |  | 12/12/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A |
| 409030903 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FCRE1964 | Credit | Missing income documentation | Missing hazard policy for REO rental XXX, unable to calculate negative cash flow. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/11/2025 |  | 12/11/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> A |
| 409031173 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409031285 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 12/05/2025 | Waived | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Lender approved exception documented but missing from the file. Rental history with borrower renting from family missing XXX months verified payments as required per guidelines. LOE in file showing that borrower pays cash at a reduced rent to family. |  | 12/09/2025 | Client approved an exception to guidelines for a lack of documented housing history where one exists. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DTI and time borrower has been self-employed. ; Document Uploaded.  | 12/09/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> B<br> A |
| 409031285 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 12/08/2025 | Rescinded | FCRE8201 | Credit | Loan does not conform to program guidelines | Per XXX DSCR Guidelines, borrower falls under the first time investor as she does not meet the experienced borrower definition. Borrowers obtaining a mortgage for the first time are not permitted per guidelines.  |  | 12/09/2025 | Condition is not applicable to this loan.  | 12/09/2025 | C<br> B<br> A |
| 409032233 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409026095 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/05/2025 | Resolved | FCRE1441 | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements Borrower discharged from bankruptcy in XX/XX/XXXX, multiple delinquencies reported after bankruptcy discharge.  | ; Documentation received, XXX to review.; Document Uploaded. ; ; ;  | 12/12/2025 | Delinquent Credit History Meets Guideline Requirements | 12/12/2025 | C<br> A |
| 409026095 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/05/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Missing closing statement from purchase of subject property along with source of funds for purchase.  | ; ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/12/2025 | Property/Appraisal Meets Guidelines | 12/12/2025 | C<br> A |
| 409026095 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/05/2025 | Resolved | FCRE8201 | Credit | Loan does not conform to program guidelines | Lender approved exception documented, missing from loan file.  | ;  | 12/09/2025 | Lender approved exception for re-use of appraisal provided. ; Document Uploaded.  | 12/09/2025 | C<br> A |
| 409027060 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409030266 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/08/2025 | Rescinded | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than XX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (XX CFR §XXXXX(e)(XXX)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXXX(e)(XXX)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXXX(e)(XXX)(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 §XXXXX(e)(XXX)(vi). TILA XXXb Cure required: Cure of $XXX required for charges that in total cannot increase more than XXX%. The loan file is missing the SSPL, therefore, the title fees were tested as XXX% tolerance. Please provide SSPL within XXX days of application date or cure. Cure requires PCCD, LOE, copy of refund check, and proof of mailing. | ; Documentation received, XXX to review.; Document Uploaded. CIC showing loan amount increase and all applicable fees;  | 12/12/2025 | Fees are within tolerance; exception resolved; Fees are within tolerance; exception resolved | 12/12/2025 | B<br> A |
| 409030266 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Per the Privacy Notice disclosure, XXX. has affiliates. Please Provide the Affiliated Business disclosure that was provided to the consumer within XXX business days of application XX/XX/XXXX that confirms the lender has affiliates. | ; Documentation received, XXX to review.; Document Uploaded. Affiliated business disclosure;  | 12/12/2025 | Required Affiliated Business Disclosure Documentation Provided; Received confirmation lender has no affiliates | 12/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> B<br> A |
| 409030663 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409030664 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409031598 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/04/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXXXX(e)(XXX)(i))The loan contains charges that exceed the good faith determination according to §XXXXX(e)(XXX)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXX(e)(XXX)(i). TILA XXXb Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Appraisal Fee.  | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/08/2025 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 12/08/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 409032747 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/05/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXXXX(e)(XXX)(i))The loan contains charges that exceed the good faith determination according to §XXXXX(e)(XXX)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXX(e)(XXX)(i). TILA XXXb Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Loan Discount Points from CD XX/XX/XXXX to CD XX/XX/XXXX. A COC is required to determine if this was a valid change. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/11/2025 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 12/11/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 409030512 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/08/2025 | Resolved | FCOM1208 | Credit | The Note is Incomplete | The Note is Incomplete There are XXX signed copies of the subject Note in the file; however, there are no prepayment penalty addendums to the Note as referenced on the PPP Rider to the Mortgage. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/13/2025 | The Note is Present | 12/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409030519 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409030527 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/08/2025 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/11/2025 | Business Purpose Affidavit/Disclosure Provided | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C |
| 409030527 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/08/2025 | Resolved | FCRE2500 | Credit | Missing Personal Guaranty | Missing Personal Guaranty. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/11/2025 | Personal Guaranty provided. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C |
| 409030527 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/08/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing XXX months' primary residence mortgage history/VOR. XXX months' checks were provided for current lease, prior to that borrower owned home free & clear with no mortgage history.  | ; Document Uploaded. ; ; Can you clarify what are saying the loan is not eligible or is there something we can get to show the taxes and insurance paid timely on the previous owed primary that was free and clear.<br>;  | 12/11/2025 | Housing History Meets Guideline Requirements; ;  | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409030527 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/10/2025 | Waived | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The client approved an exception to guidelines for property in USDA Rural Area (although the appraisal identifies the subject as suburban). Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DSCR ratio, reserves, and long-time investor. |  | 12/10/2025 |  | 12/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409030527 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/08/2025 | Resolved | FCRE8201 | Credit | Loan does not conform to program guidelines | Client's delivery email indicates a loan exception was approved. The exception documentation is not contained in the loan file.  | ;  | 12/10/2025 | Exception documentation uploaded. ; Document Uploaded.  | 12/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409030527 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/08/2025 | Rescinded | FCRE7347 | Credit | Missing Lease Agreement | Missing lease agreement for the subject property which is identified on the appraisal as tenant occupied.  |  | 12/09/2025 | Subject property is short term rental. Finding is rescinded.  | 12/09/2025 | D<br> B<br> A<br> C |
| 409030534 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/09/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing XXX months' primary residence mortgage history/VOR. XXX months' checks were provided for current lease, prior to that borrower owned home free & clear with no mortgage history. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/12/2025 | Housing History Meets Guideline Requirements | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409030534 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/09/2025 | Resolved | FCRE8201 | Credit | Loan does not conform to program guidelines | Client's delivery email indicates a loan exception was approved. The exception documentation is not contained in the loan file. <br>| ;  | 12/10/2025 | Document Uploaded. Loan exception documentation has been uploaded.  | 12/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409030534 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/10/2025 | Waived | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The client approved an exception to guidelines for property in USDA Rural Area (although the appraisal identifies the subject as suburban). Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: DSCR ratio, reserves, and long-time investor. |  | 12/10/2025 |  | 12/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 409031531 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/05/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/13/2025 | Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX | 12/13/2025 | B<br> A |
| 409031611 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/05/2025 | Resolved | FCRE8506 | Credit | Application Profile Missing | Foundation Mortgage NMLS XXX not showing active for New York. | ; XXX/XXX compliance and legal reviewed NY state requirements for originating business purpose loans and determined NMLS registration is not required. Please waive condition for NMLS license in NY.; NY does not require licensing for Business Purpose Loans.; This has been escalated to XXX compliance for review.;  | 12/09/2025 | Client has conferred with their compliance and legal counsel and states NMLS verification is not required for all XXX DSCR transactions. Finding is resolved.  | 12/09/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> A |
| 409028847 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/05/2025 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts The fraud report pulled by XXX has an alert for the borrower's name not showing on the Social Security trace. | ; Document Uploaded. ; ;  | 12/09/2025 | All Fraud Report Alerts have been cleared or None Exist; Fraud Report Shows Uncleared Alerts; Name reflected as AKA on credit report and documentation.  | 12/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 409029267 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/08/2025 | Resolved | FCRE2109 | Credit | Missing Lender Income Calculation Worksheet | Missing Lender DSCR calculation | ; Document Uploaded. ; Documentation received, XXX to review.;  | 12/12/2025 | XXX provided with calculation.  | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A |
| 409029267 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/05/2025 | Waived | FCRE1159 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. The final Note, Mortgage, CD and XXX are all dated XX/XX/XXXX but the insurance policy shows a policy start date of XX/XX/XXXX. | ; ; ;  | 12/12/2025 | Waived per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: FICO XXX and DSCR > XXXX at XXX%. | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409028971 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/05/2025 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing The VOM for the property in XXX. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/12/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | 12/12/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409026413 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409026445 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409026449 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/04/2025 | Waived | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | The credit report in file reflects XXX inquiries in last XXX days. File is missing LOX from borrower regarding the inquiries and confirming no new credit opened. | ; Request to waive for B Grade. Seller does not require inquiry letter on DSCR. Comp Factors: XXX DSCR; XXX FICO; XXX mos PITIA reserves.; XXX to review for possible exception.; Documentation received, XXX to review.; Document Uploaded. ;  | 12/09/2025 | Waived per client. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX DSCR; XXX FICO; XXX mos PITIA reserves.; Please provide compensating factors to waive condition as requested.  | 12/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409026449 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/04/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The UCDP report and/or Desktop Analysis have not been provided. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/08/2025 | Third party valuation product provided within tolerance. | 12/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 409026449 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/04/2025 | Resolved | FCRE2109 | Credit | Missing Lender Income Calculation Worksheet | The file contains no evidence of Lender's due diligence calculation of the DSCR, including XXX and Lock Confirmation. | ; Document Uploaded. ; Documentation received, XXX to review.;  | 12/08/2025 | XXX provided with income calculations.  | 12/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C |
| 409032959 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/08/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. FNMA CU score is XXX out of XXX. Please provide a Desk Review. | ; Documentation received, XXX to review.; Document Uploaded. CDA;  | 12/12/2025 | Third party valuation product provided within tolerance. | 12/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 409031633 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409027025 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/09/2025 | Resolved | FCRE1764 | Credit | Missing Verification of Mortgage | The Final XXX indicates the borrower's investment property is owned free and clear. There is no documentation in file confirming the REO has no liens. |  | 12/10/2025 | HOI policy shows no current mortgage for property.  | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A |
| 409025442 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409032265 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409030543 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/05/2025 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing the VOM for the subject property w/ XXX. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/11/2025 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409030543 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/08/2025 | Resolved | FCOM1233 | Credit | The Final XXXX is Incomplete | The Final XXX is Incomplete The final XXX does not list all of the real estate owned by the borrower XXX is still owned by the borrower and is not on the REO , appears on the Fraud report <br>| ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/11/2025 | The Final XXX is Present | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 409032580 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409030263 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409030496 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/09/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX The title commitment provided shows a coverage amount of $XXX which is less than the loan amount. Please provide an updated title commitment of Final Title Policy in the amount of $XXX. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/14/2025 | Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX | 12/24/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> B<br> A |
| 409031035 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409029040 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409030644 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/10/2025 | Resolved | FCRE1213 | Credit | Corporate Loan Resolution is Missing | The Corporate Articles/By-Laws in file appear to be a generic template adopted on XXX with no pertinent information included regarding the owners names, their positions, their percentage of ownership, and their ability to borrow. Additionally, operating agreement not provided. A corporate resolution granting the signatory authority to enter into the loan transaction is missing from the file. | X; Document Uploaded. Comment and docs received, in XXX review.; Seller left this Comment via email: Operating Agreement only applies to an LLC. This is a corporation. Corporations don't use Operating Agreements. They use bylaws to govern internal operations. Bylaws don't show ownership percentage either in Illinois. Ownership percentage is shown on Corporate Tax Returns. However, the point of DSCR is to not require Tax Returns.<br> The documents provided show that they can both sign on behalf of the corporation.<br> ; Documentation received, XXX to review.; Document Uploaded. ; x | 12/13/2025 | resolved  | 12/13/2025 | D<br> A<br> C |
| 409030644 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/10/2025 | Resolved | FCRE8201 | Credit | Loan does not conform to program guidelines | Client's delivery email indicates a loan exception was approved. The exception documentation is not contained in the loan file.  | ; Document Uploaded. ;  | 12/13/2025 | ; Client approved an exception to guidelines for an escrow waiver. Client accepts risk for B grade and acknowledges the following compensating factors for this purpose: reserves over required at XXX months and DSCR over required at XXX.; ; Document Uploaded.  | 12/13/2025 | D<br> A<br> C |
| 409030644 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/10/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The subject property is a XXX-Unit. UCDP Report in file with no CU score. Units typically do not receive a CU score, which requires a Desk Review. There is no required 3rd Party Valuation review in file. | ; Documentation received, XXX to review.; Document Uploaded. ;  | 12/13/2025 | Third party valuation product provided within tolerance. | 12/13/2025 | D<br> A<br> C |
| 409025980 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/11/2025 | Waived | FCRE9068 | Credit | Borrower does not meet residual income requirement | Residual income of $XXX does not meet guideline minimum of $XXX. Residual income of $XXX does not meet guideline minimum of $XXX. |  | 12/15/2025 | Waived per client request. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: Low LTV/CLTV, FICO, and personal assets for reserves of $XXX (XXX months) | 12/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> C<br> B<br> A |
| 409031023 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409033366 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409031574 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 409032433 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/10/2025 | Acknowledged | finding-4038 | Compliance | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (XX CFR XXXX(e)(XXX))The loan amount is $XXX or more, and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds $XXX; orThe loan amount is less than $XXX and the transaction's total points and fees is $XXX, which exceeds XXX percent of the total loan amount of $XXX. Non QM originated, condition remains active, client to review. Points and fees total XXX%. |  | 12/13/2025 | Client is waiving in non-QM loan for points and fees totaling XXX%. Client accepts and acknowledges EVX/B finding.  | 12/13/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 409032727 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete |  |  |  |  |  |  |  |  |  |  | A |
| 255236385 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/18/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 255236385 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/18/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 255236385 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 07/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 07/18/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 255245914 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 06/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 255245914 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: 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 | 06/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 255245914 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: 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 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 255236389 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 06/13/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX. |  |  | Updated title provided, exception resolved. ; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX; Document Uploaded.  | 06/27/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 255236389 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: 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 | 06/17/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 255236389 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: 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 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 2599704301 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/25/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. |  |  | Updated fraud report provided. all clear ; All Interested Parties Checked against Exclusionary Lists; Document Uploaded. ; Document Uploaded.  | 07/31/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 2599704301 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 07/29/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 2599704301 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 07/25/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 07/29/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 2599730814 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/10/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 2599730814 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/10/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 2599735841 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/09/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 2599735841 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/09/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 2599727650 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/09/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XX<br> A |
| 2599727650 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XX<br> A |
| 2599727650 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 09/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XX<br> A |
| 980121324205 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/09/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX CFR §XXXXX(f)(XXX)(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 §XXXXX(f)(XXX)(i) no later than three business days before consummation. Documentation required to clear exception. Missing a copy of the initial CD issued and acknowledged by the borrower at least XXX days prior to consummation. Per the lenders compliance report, the initial CD was issued and received X/XX/XX/XXXX. Please provide a copy of the ICD and delivery verification. |  |  | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved; Document Uploaded.  | 09/15/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 980121324205 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 980121324205 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 09/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 980121337500 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/09/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 980121337500 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 09/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 980121337500 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 2599732858 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/11/2025 | Resolved | FCOM1220 | Credit | The Deed of Trust is Missing | The Deed of Trust is Missing The loan file is missing the Mortgage.  |  |  | Mortgage provided, exception resolved.; The Deed of Trust is Present; Document Uploaded.  | 09/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 2599732858 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/11/2025 | Resolved | FCOM1229 | Credit | 1-4 Family Rider is Missing | 1-4 Family Rider is Missing. The loan file is missing the 1-4 Family Rider.  |  |  | Riders were provided, exception resolved.; The 1-4 Family Rider is Present | 09/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 2599732858 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 2599734327 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/11/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 2599734327 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 09/11/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 2599734327 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 09/11/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 255351711 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/10/2025 | Cured | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than XX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (XX CFR §XXXXX(e)(XXX)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXXX(e)(XXX)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXXX(e)(XXX)(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 §XXXXX(e)(XXX)(vi). TILA XXXb Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Settlement fee, $XXXto $XXX for the Title XXX Prep and $XXX to $XXX for the recording fee. Final Charges That In Total Cannot Increase More Than XXX% is $XXX, comparable charges that in total can't increase more than XXX% is XXX, variance is $XXX. Fees included are Recording Service $XX, Settlement $XXX, Title XXX $XXX, Title Municipal Lien Cert $XXXand recording $XXX. |  |  | PCCD, LOE, Copy of refund check and proof of delivery provided by the client for testing. exception cured; Document Uploaded. Proof of refund in the amount of $XXX provided. ; Updated cure amount to $XXX. The increase to the Title - Settlement fee and Title - XXX fee were added or increased without a valid COC. ; This loan failed the charges that in total cannot increase more than XXX% test. (XX CFR §XXXXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXXX(e)(X)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXXX(e)(X)(vi).; This loan failed the charges that in total cannot increase more than XXX% test. (XX CFR §XXXXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXXX(e)(X)(i) by more than XX 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 §XXXXX(e)(X)(vi).; Document Uploaded. ; ; ; Document Uploaded. Proof of refund in the amount of $XXX provided.  | 11/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 255351711 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/12/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (XX CFR XXXXXXX(a)(X)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX CFR XXXX(a)(XXX)). The borrower signed the XXX day appraisal waiver. Evidence is required to confirm the borrower received a copy of the appraisal at closing.  |  |  | Evidence of appraisal delivery provided.; Document Uploaded.  | 10/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 255351711 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 255351711 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 2599727104 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 2599727104 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 980121340167 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/12/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (XX CFR XXXXXXX(a)(X)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX CFR XXXX(a)(XXX)). The appraisal/valuation acknowledgment does not specify if the borrower waived timing requirements and received a copy at closing or received a copy a minimum of XXX days prior to closing. Provide evidence when the borrower received the report to determine if timing requirements were met. |  |  | Evidence of appraisal delivery provided.; Document Uploaded.  | 09/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> B<br> A |
| 980121340167 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> B<br> A |
| 980121340167 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 09/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> B<br> A |
| 255355150 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/22/2025 | Resolved | FCRE1177 | Credit | HOX Insurance Policy Expiration Date is before the Note Date | HO-6 Insurance Policy Expiration Date of XX/XX/XXXX is prior to the Note Date of XX/XX/XXXX |  |  | Expiration date corrected, exception resolved. ; HO-6 Insurance Policy Expiration Date of XX/XX/XXXX is equal to or after the Note Date of XX/XX/XXXX Or HO-6 Insurance Policy Expiration Date Is Not Provided | 09/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> A<br> C |
| 255355150 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/12/2025 | Resolved | FCRE1180 | Credit | HO-6 Insurance Policy is Missing | HO-6 Insurance Policy is Missing The loan file is missing the HO-6 policy.  |  |  | Condo master policy includes walls-in coverage, separate policy not required. Exception resolved. ; HO-6 Insurance Policy is fully present; Document Uploaded.  | 09/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> A |
| 255355150 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 09/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> A |
| 255355150 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> D<br> A |
| 255337681 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> A |
| 255337681 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 09/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> A |
| 255337681 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> A |
| 2599736767 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> A |
| 2599736767 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 09/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> A |
| 2599736767 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> A |
| 980121309259 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> A |
| 980121309259 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> A |
| 980121309259 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> A |
| 980121337457 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/16/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 980121337457 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 09/16/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 980121337457 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 09/16/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 980121336614 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/15/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report The loan file is missing the Fraud Report.  |  |  | Fraud report provided, exception resolved.; Third Party Fraud Report is provided; Document Uploaded.  | 09/19/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A<br> C<br> B |
| 980121336614 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/15/2025 | Resolved | FCRE1145 | Credit | Title Document Missing | Title Document is missing The loan file is missing the title.  |  |  | Title provided, exception resolved.; Title Document is fully Present; Document Uploaded.  | 09/19/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A<br> C<br> B |
| 980121336614 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/15/2025 | Resolved | FCRE1316 | Credit | Borrower X 3rd Party VOE Prior to Close Missing | Borrower XXX 3rd Party VOE Prior to Close Missing The loan file is missing the VVOE.  |  |  | VVOE provided, exception resolved. ; Borrower X 3rd Party VOE Prior to Close Was Provided; Document Uploaded.  | 09/19/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A<br> C<br> B |
| 980121336614 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/15/2025 | Resolved | FCRE1173 | Credit | HOX Master Insurance Policy is Missing | Missing HO-6 Master Insurance Policy The loan file did not contain the HO- master policy.  |  |  | Master policy provided, exception resolved.; HO-6 Master Insurance Policy is fully present; Missing HO-6 Master Insurance Policy; Document Uploaded.  | 09/19/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A<br> C<br> B |
| 980121336614 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/15/2025 | Resolved | FCRE1161 | Credit | Flood Certificate Missing | Missing Flood Certificate The loan file is missing the Tax certification. <br>|  |  | Flood cert provided, exception resolved. ; Flood Certificate is fully present; Document Uploaded.  | 09/19/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A<br> C<br> B |
| 980121336614 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/15/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. The loan file contained the Fannie Mae UCDP; however, the CU score was XXX. |  |  | CDA provided, exception resolved.; Third party valuation product provided within tolerance.; Document Uploaded.  | 09/19/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A<br> C<br> B |
| 980121336614 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/15/2025 | Resolved | FCRE1182 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. The loan file is missing the XXX and/or the loan approval.  |  |  | XXX provided, exception resolved.; Approval/Underwriting Summary is fully present; Document Uploaded.  | 09/19/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A<br> B<br> C |
| 980121336614 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/12/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (XX CFR XXXXXXX(a)(X)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX CFR XXXX(a)(XXX)). The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX CFR XXXX(a)(XXX)). |  |  | Evidence of appraisal delivery provided.; Document Uploaded.  | 09/18/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A<br> B<br> C |
| 980121341482 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 980121341482 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 255344930 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 255344930 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 255342988 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 255342988 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 980121282251 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/16/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 980121282251 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/16/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 255335167 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/18/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 255335167 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 09/18/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 255362331 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 09/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 255362331 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 09/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 255362331 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 2599731638 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 2599731638 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 980121339401 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/18/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 980121339401 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 09/18/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 255242559 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 255242559 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 255242559 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 09/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 980121305626 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/18/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 980121305626 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/18/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 980121305626 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 09/18/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 255351773 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/17/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Lender requires that each file contain a fraud tool to analyze the risk assessment of each borrower, which was not found among the loan documents. Please provide, along with evidence that any and all Red Flags, or High Alerts, have been cleared.<br>|  |  | Fraud report provided, exception resolved. ; Third Party Fraud Report is provided; Document Uploaded.  | 09/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 255351773 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 255353365 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 09/23/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 255353365 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/23/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 255353365 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/23/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 255345442 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/23/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> A |
| 255345442 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 09/23/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> A |
| 2599734461 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 2599734461 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 255249251 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> A |
| 255249251 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> A |
| 255327098 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/23/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 255327098 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 09/23/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 255327098 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 09/23/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 255372090 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 255372090 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 255363212 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/23/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 255363212 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/23/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 255349097 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 09/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> A |
| 255349097 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> A |
| 255349097 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> A |
| 255367852 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/23/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> A |
| 255367852 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 09/23/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> A |
| 255345222 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 255345222 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 09/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 255304454 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/23/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> A |
| 255304454 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 09/23/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> A |
| 255358362 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/23/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> A |
| 255358362 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 09/23/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> A |
| 255378403 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 255378403 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 09/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 255343435 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/23/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 255343435 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 09/23/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 255291695 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/23/2025 | Resolved | FCRE1316 | Credit | Borrower X 3rd Party VOE Prior to Close Missing | Borrower XXX 3rd Party VOE Prior to Close Missing . The printout provided is not dated. |  |  | Document Uploaded. Dated verification provided, exception resolved. ; Borrower X 3rd Party VOE Prior to Close Was Provided | 10/07/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 255291695 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 09/25/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 255363306 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/23/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Third Party Fraud Report |  |  | Fraud report provided, exception resolved.; Third Party Fraud Report is provided | 10/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 255363306 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 09/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 255351902 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (XX CFR XXXXXXX(a)(X)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX CFR XXXX(a)(XXX)). Provide evidence the appraisal was delivered to the borrower a minimum of XXX business days prior to consummation. |  |  | Evidence of appraisal delivery provided.; Document Uploaded.  | 09/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 255351902 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/25/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 255351902 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/25/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 980121343210 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 09/25/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 980121343210 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/25/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 980121343210 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/25/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 980121339833 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 09/25/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 980121339833 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/25/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 980121339833 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 09/25/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 255370233 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/30/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 255370233 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 09/30/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 255370233 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/30/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 255377776 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/24/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Third Party Fraud Report |  |  | Fraud report provided, exception resolved. ; Third Party Fraud Report is provided; Document Uploaded.  | 10/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> A |
| 255377776 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> A |
| 255377776 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> A |
| 2599738321 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/24/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/30/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 2599738321 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 09/30/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 2599738321 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 09/30/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 2599732480 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/24/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> A |
| 2599732480 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/24/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> A |
| 2599734114 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/26/2025 | Resolved | FCOM1227 | Credit | PUD Rider is Missing | PUD Rider is Missing. Per the appraisal, the subject property is a PUD. |  |  | The PUD Rider is Present or is Not Applicable (Property Type is PUD); ; PUD Rider provided.; Document Uploaded. ; PUD Rider is Missing | 10/16/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C |
| 2599734114 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/25/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXXXX(e)(XXX)(i))The loan contains charges that exceed the good faith determination according to §XXXXX(e)(XXX)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $.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 §XXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXX(e)(XXX)(i). TILA XXXb Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the alta endorsements. The change occurred on CD issued X/X/XX without a valid COC. Providing a valid reason for the change may cure the violation. |  |  | Lender confirmed borrower shopped for title services; exception resolved; Lender confirmed borrower shopped for title services; exception resolved; Document Uploaded.  | 10/06/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C |
| 2599734114 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 09/30/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C |
| 980121339551 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/26/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report |  |  | Fraud report provided, exception resolved. ; Third Party Fraud Report is provided; Document Uploaded.  | 10/07/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A |
| 980121339551 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 09/30/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A |
| 980121339551 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/30/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A |
| 255357210 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCRE1347 | Credit | Borrower X 3rd Party VOE Prior to Close Missing | Borrower XXX 3rd Party VOE Prior to Close Missing Loan file is missing employment verifications for co-borrower within XXX days of Note date as required per FNMA guidelines |  |  | Updated VVOE provided, exception resolved. ; Borrower X 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X); ; Please upload a VVOE for BX that is dated within XX days of the XX/XX/XXXX Note date. Documents uploaded are from XX/XX/XXXX.; Document Uploaded.  | 10/07/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> A |
| 255357210 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCRE1316 | Credit | Borrower X 3rd Party VOE Prior to Close Missing | Borrower XXX 3rd Party VOE Prior to Close Missing Loan file is missing employment verifications for borrower within XXX days of Note date as required per FNMA guidelines |  |  | Updated VVOE provided, exception resolved. ; Borrower X 3rd Party VOE Prior to Close Was Provided; ; Please upload a VVOE for BX that is dated within XXX days of the XX/XX/XXXX Note date. Documents uploaded are from XX/XX/XXXX.; Document Uploaded.  | 10/07/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> A |
| 255357210 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/26/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product was not found in file. Please provide.<br>|  |  | CDA provided, exception resolved. ; Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance.; Document Uploaded.  | 10/07/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> A<br> C |
| 255357210 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/26/2025 | Resolved | FPRO1502 | Property | HOA Does Not Meet Guidelines | HOA Does Not Meet Guidelines File does not contain documentation to support the amount of the HOA dues. Please provide.<br>|  |  | Appraisal verified no HOA dues. Subject property consists of X units and each occupant owns XXX% of the project. Exception resolved. ; HOA Meets Guidelines; HOA Does Not Meet Guidelines; Document Uploaded. ; Document Uploaded.  | 10/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> A<br> C |
| 255357210 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/26/2025 | Resolved | FPRO1242 | Property | Appraisal is Missing | Appraisal is Missing. File does not contain a copy of the appraisal, or other valuation to support the value. Please provide.<br>|  |  | Appraisal was provided, exception resolved. ; Appraisal is Present or is Waived; Document Uploaded.  | 10/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> A |
| 255357210 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCRE1241 | Credit | Purchase Contract is Missing | Loan Purpose is Purchase but Purchase Contract Doc is Missing |  |  | Purchase Contract Doc is not Missing, or is Not Applicable.; ; Loan Purpose is Purchase but Purchase Contract Doc is Missing | 10/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> A |
| 255357210 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Lender requires that each file contain a fraud tool to analyze the risk assessment of each borrower, which was not found among the loan documents. Please provide, along with evidence that any and all Red Flags, or High Alerts, have been cleared.<br>|  |  | Fraud report provided, exception resolved. ; Third Party Fraud Report is provided; Document Uploaded.  | 10/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> A |
| 255357210 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCRE0387 | Credit | Borrower X Photo Identification not provided | Borrower XXX Photo Identification not provided. Lender requires that each borrower's identity be verified; however, no evidence found in file to support. Please provide.<br>|  |  | BX ID provided, exception resolved. ; Photo Identification provided.; Document Uploaded.  | 10/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> A |
| 255357210 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCRE1161 | Credit | Flood Certificate Missing | Missing Flood Certificate File is missing copy of the Life of Loan Flood Certificate. Please provide, along with evidence of flood insurance, if applicable.<br>|  |  | Flood cert provided, exception resolved. ; Flood Certificate is fully present; ; Document Uploaded.  | 10/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> A |
| 255357210 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCRE1180 | Credit | HO-6 Insurance Policy is Missing | HO-6 Insurance Policy is Missing File is missing copy of the HO-6 Insurance. Please provide. |  |  | HO-6 policy provided, exception resolved. ; HO-6 Insurance Policy is fully present; HO-6 Insurance Policy is Missing; Document Uploaded.  | 10/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> A |
| 255357210 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCRE1173 | Credit | HOX Master Insurance Policy is Missing | Missing HO-6 Master Insurance Policy File is missing copy of the Master Condominium Insurance Policy. Please provide along with evidence of sufficient coverage.<br>|  |  | Master policy provided, exception resolved. ; HO-6 Master Insurance Policy is fully present; Missing HO-6 Master Insurance Policy; Document Uploaded.  | 10/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> A |
| 255357210 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/26/2025 | Resolved | FCRE1253 | Credit | Missing Property Tax Cert | Missing Property Tax Cert Verification of subject property taxes not found in file. Please provide.<br>|  |  | Tax cert provided, exception resolved. ; Property Tax Cert Provided; Document Uploaded.  | 10/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> D<br> A<br> C |
| 255361389 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing mortgage statement for XXX. XXX is also listed on the XXX Schedule E but it was not included on the XXX and no additional documentation was in file. | The property is a duplex. XXX is the legal address, XXX is the street number for the Xnd unit but is not a separate mortgage. It looks like it's just listed separately on the taxes to differentiate the income from each unit. | 10/22/2025 | Finding resolved based on additional information provided; ; Received verification of mortgage payment for XXX. Still require PITIA verification for XXX that appears on the Sched E (in addition to XXX). Condition remains. ; Document Uploaded.  | 10/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 255361389 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 255377321 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 09/30/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 255377321 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 09/30/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 255377321 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 09/30/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 255195106 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/26/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Third Party Fraud Report |  |  | Fraud report provided, exception resolved. ; Third Party Fraud Report is provided; Document Uploaded.  | 10/06/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 255195106 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 09/30/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 255195106 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 09/30/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 255226719 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 255226719 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 09/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 2599730545 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/26/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/30/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 2599730545 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/30/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 255372415 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/30/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX CFR §XXXXX(f)(XXX)(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 §XXXXX(f)(XXX)(i) no later than three business days before consummation. The violation can be cured by providing evidence that shows the Borrowers received the initial closing disclosure at least XXX business days prior to consummation date of XX/XX/XXXX. |  |  | Initial CD provided; exception resolved; Initial CD provided; exception resolved; Document Uploaded.  | 10/06/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A |
| 255372415 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 10/02/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A |
| 255372415 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 10/02/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A |
| 255368442 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCRE1159 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Policy does not state that it was a renewal. Please provide proof of prior coverage. |  |  | Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided.; Document Uploaded. Previous HOI Policy effective XX/XX/XXXX through XX/XX/XXXX received.  | 10/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 255368442 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 10/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 255371807 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCRE1198 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of month(s) are less than Guideline Required Reserves of XXXXX months(s) Assets total $XXX, required assets are $XXX + Required Reserves, XXX months \* $XXX = $XXX totaling $XXX, bwr is short funds for closing costs and reserves of $XXX. |  |  | Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s); Document Uploaded. Asset Statements received.  | 11/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 255371807 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCRE0382 | Credit | Assets do not meet guideline requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. Assets total $XXX, required assets are $XXX + Required Reserves, XXX months \* $XXX = $XXX totaling $XXX, bwr is short funds for closing costs and reserves of $XXX. |  |  | Funds are found to meet guidelines.; Document Uploaded. Asset Statements received.  | 11/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 255371807 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/29/2025 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $XXX. Assets total $XXX, required assets are $XXX + Required Reserves, XXX months \* $XXX = $XXX totaling $XXX, bwr is short funds for closing costs and reserves of $XXX. |  |  | Audited Reserves of $XXX are equal to or greater than AUS Required Reserves of $XXX.; Document Uploaded. Asset Statements received.  | 11/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 255371807 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 10/02/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 255359358 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 255359358 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | 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. |  |  | Informational | 10/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 255356391 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/07/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 255356391 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/07/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 255356391 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/07/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 2599735526 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/07/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 2599735526 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/07/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 2599735526 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/07/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 255377430 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/03/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing the Third Party Valuation Product. |  |  | CDA provided, exception resolved. ; Third party valuation product provided within tolerance.; Document Uploaded.  | 10/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 255377430 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/03/2025 | 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% . Audited Interested Party Contribution of XXX% exceeds interested party contribution guideline maximum of XXX% . |  |  | Document Uploaded. Lender exception provided. Compensating factors: All credit paid as agreed, additional rental in same location as subject for XXX years, appraised over purchase price, XXX of reserves or XXX months; Per the final CD, there is a seller credit in the amount of $XXX which exceeds the IPC.; Document Uploaded. Lender exception provided. Compensating factors: All credit paid as agreed, additional rental in same location as subject for XXX years, appraised over purchase price, XXX of reserves or XXX months | 10/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 255368406 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/03/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within XX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing Third Party Desk Review.  |  |  | Third party valuation product provided within tolerance.; Document Uploaded. PDI provided. | 10/12/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 255368406 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/07/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 255368406 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/07/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 2599736166 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 2599736166 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 10/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 255398077 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 255398077 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 980121342628 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 10/09/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 980121342628 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 10/09/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 980121342628 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 10/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 10/09/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br> A |

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## Exhibit 99.17

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| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 409014107 | XXXXX |  | $XXXXXX<br> D<br> A<br> B |
| 409016610 | XXXXX |  | $XXXXXX<br> C<br> A<br> B |
| 409016305 | XXXXX |  | $XXXXXX<br> D<br> A |
| 409017774 | XXXXX |  | $XXXXXX<br> D<br> A<br> C<br> B |
| 409017775 | XXXXX |  | $XXXXXX<br> C<br> A<br> B |
| 409018327 | XXXXX |  | $XXXXXX<br> D<br> A<br> C<br> B |
| 409018285 | XXXXX |  | $XXXXXX<br> C<br> A |
| 409020612 | XXXXX |  | $XXXXXX<br> A<br> B |
| 409018911 | XXXXX |  | $XXXXXX<br> C<br> A |
| 409017301 | XXXXX |  | $XXXXXX<br> C<br> A<br> B |
| 409024844 | XXXXX |  | $XXXXXX<br> D<br> A<br> B |
| 409024855 | XXXXX |  | $XXXXXX<br> D<br> A<br> B |
| 409025642 | XXXXX |  | $XXXXXX<br> D<br> C<br> A<br> B |
| 409026009 | XXXXX |  | $XXXXXX<br> D<br> A<br> B |
| 409024207 | XXXXX |  | $XXXXXX<br> A |
| 409025629 | XXXXX |  | $XXXXXX<br> D<br> A<br> B |
| 409025135 | XXXXX |  | $XXXXXX<br> D<br> C<br> A<br> B |
| 409025154 | XXXXX |  | $XXXXXX<br> D<br> A<br> B |
| 409026592 | XXXXX |  | $XXXXXX<br> C<br> A |
| 409024075 | XXXXX |  | $XXXXXX<br> D<br> A |
| 409024295 | XXXXX |  | $XXXXXX<br> D<br> A |
| 409025190 | XXXXX |  | $XXXXXX<br> D<br> A<br> B |
| 409025763 | XXXXX |  | $XXXXXX<br> C<br> A<br> B |
| 409026167 | XXXXX |  | $XXXXXX<br> A |
| 409025854 | XXXXX |  | $XXXXXX<br> D<br> A |
| 409025292 | XXXXX |  | $XXXXXX<br> D<br> A<br> B |
| 409023829 | XXXXX |  | $XXXXXX<br> D<br> C<br> A |
| 409023991 | XXXXX |  | $XXXXXX<br> D<br> A |
| 409024192 | XXXXX |  | $XXXXXX<br> D<br> B<br> C<br> A |
| 409025752 | XXXXX |  | $XXXXXX<br> C<br> A<br> B |
| 409025186 | XXXXX |  | $XXXXXX<br> D<br> C<br> A |
| 409024271 | XXXXX |  | $XXXXXX<br> C<br> A<br> B |
| 409025970 | XXXXX |  | $XXXXXX<br> D<br> A |
| 409026731 | XXXXX |  | $XXXXXX<br> D<br> A<br> B |
| 409025180 | XXXXX |  | $XXXXXX<br> C<br> A<br> B |
| 409025911 | XXXXX |  | $XXXXXX<br> A<br> B |
| 409025966 | XXXXX |  | $XXXXXX<br> D<br> C<br> A<br> B |
| 409026041 | XXXXX |  | $XXXXXX<br> D<br> A<br> B |
| 409026691 | XXXXX |  | $XXXXXX<br> C<br> A<br> B |
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| 409030512 | XXXXX |  | $XXXXXX<br> D<br> A |
| 409030519 | XXXXX |  | $XXXXXX<br> A |
| 409030527 | XXXXX |  | $XXXXXX<br> D<br> A<br> C<br> B |
| 409030534 | XXXXX |  | $XXXXXX<br> C<br> A<br> B |
| 409031531 | XXXXX |  | $XXXXXX<br> B<br> A |
| 409031611 | XXXXX |  | $XXXXXX<br> D<br> A |
| 409028847 | XXXXX |  | $XXXXXX<br> C<br> A |
| 409029267 | XXXXX |  | $XXXXXX<br> D<br> A<br> B |
| 409028971 | XXXXX |  | $XXXXXX<br> D<br> A |
| 409026413 | XXXXX |  | $XXXXXX<br> A |
| 409026445 | XXXXX |  | $XXXXXX<br> A |
| 409026449 | XXXXX |  | $XXXXXX<br> D<br> A<br> C<br> B |
| 409032959 | XXXXX |  | $XXXXXX<br> A<br> C |
| 409031633 | XXXXX |  | $XXXXXX<br> A |
| 409027025 | XXXXX |  | $XXXXXX<br> D<br> A |
| 409025442 | XXXXX |  | $XXXXXX<br> A |
| 409032265 | XXXXX |  | $XXXXXX<br> A |
| 409030543 | XXXXX |  | $XXXXXX<br> D<br> A |
| 409032580 | XXXXX |  | $XXXXXX<br> A |
| 409030263 | XXXXX |  | $XXXXXX<br> A |
| 409030496 | XXXXX |  | $XXXXXX<br> B<br> A |
| 409031035 | XXXXX |  | $XXXXXX<br> A |
| 409029040 | XXXXX |  | $XXXXXX<br> A |
| 409030644 | XXXXX |  | $XXXXXX<br> D<br> A<br> C |
| 409025980 | XXXXX |  | $XXXXXX<br> C<br> A<br> B |
| 409031023 | XXXXX |  | $XXXXXX<br> A |
| 409033366 | XXXXX |  | $XXXXXX<br> A |
| 409031574 | XXXXX |  | $XXXXXX<br> A |
| 409032433 | XXXXX |  | $XXXXXX<br> A<br> C<br> B |
| 409032727 | XXXXX |  | $XXXXXX<br> A |
| 255236385 |  |  | $XXXXXX<br> A |
| 255245914 |  |  | $XXXXXX<br> A |
| 255236389 |  |  | $XXXXXX<br> B<br> A |
| 2599704301 |  |  | $XXXXXX<br> C<br> A |
| 2599730814 |  |  | $XXXXXX<br> A |
| 2599735841 |  |  | $XXXXXX<br> A |
| 2599727650 |  |  | $XXXXXX<br> A |
| 980121324205 |  |  | $XXXXXX<br> A<br> C |
| 980121337500 |  |  | $XXXXXX<br> A |
| 2599732858 |  |  | $XXXXXX<br> D<br> A |
| 2599734327 |  |  | $XXXXXX<br> A |
| 255351711 |  |  | $XXXXXX<br> A<br> C<br> B |
| 2599727104 |  |  | $XXXXXX<br> A |
| 980121340167 |  |  | $XXXXXX<br> A<br> B |
| 255355150 |  |  | $XXXXXX<br> D<br> A |
| 255337681 |  |  | $XXXXXX<br> A |
| 2599736767 |  |  | $XXXXXX<br> A |
| 980121309259 |  |  | $XXXXXX<br> A |
| 980121337457 |  |  | $XXXXXX<br> A |
| 980121336614 |  |  | $XXXXXX<br> D<br> B<br> C<br> A |
| 980121341482 |  |  | $XXXXXX<br> A |
| 255344930 |  |  | $XXXXXX<br> A |
| 255342988 |  |  | $XXXXXX<br> A |
| 980121282251 |  |  | $XXXXXX<br> A |
| 255335167 |  |  | $XXXXXX<br> A |
| 255362331 |  |  | $XXXXXX<br> A |
| 2599731638 |  |  | $XXXXXX<br> A |
| 980121339401 |  |  | $XXXXXX<br> A |
| 255242559 |  |  | $XXXXXX<br> A |
| 980121305626 |  |  | $XXXXXX<br> A |
| 255351773 |  |  | $XXXXXX<br> D<br> A |
| 255353365 |  |  | $XXXXXX<br> A |
| 255345442 |  |  | $XXXXXX<br> A |
| 2599734461 |  |  | $XXXXXX<br> A |
| 255249251 |  |  | $XXXXXX<br> A |
| 255327098 |  |  | $XXXXXX<br> A |
| 255372090 |  |  | $XXXXXX<br> A |
| 255363212 |  |  | $XXXXXX<br> A |
| 255349097 |  |  | $XXXXXX<br> A |
| 255367852 |  |  | $XXXXXX<br> A |
| 255345222 |  |  | $XXXXXX<br> A |
| 255304454 |  |  | $XXXXXX<br> A |
| 255358362 |  |  | $XXXXXX<br> A |
| 255378403 |  |  | $XXXXXX<br> A |
| 255343435 |  |  | $XXXXXX<br> A |
| 255291695 |  |  | $XXXXXX<br> D<br> A |
| 255363306 |  |  | $XXXXXX<br> D<br> A |
| 255351902 |  |  | $XXXXXX<br> A<br> B |
| 980121343210 |  |  | $XXXXXX<br> A |
| 980121339833 |  |  | $XXXXXX<br> A |
| 255370233 |  |  | $XXXXXX<br> A |
| 255377776 |  |  | $XXXXXX<br> D<br> A |
| 2599738321 |  |  | $XXXXXX<br> A |
| 2599732480 |  |  | $XXXXXX<br> A |
| 2599734114 |  |  | $XXXXXX<br> D<br> C<br> A |
| 980121339551 |  |  | $XXXXXX<br> D<br> A |
| 255357210 |  |  | $XXXXXX<br> D<br> A |
| 255361389 |  |  | $XXXXXX<br> D<br> A |
| 255377321 |  |  | $XXXXXX<br> A |
| 255195106 |  |  | $XXXXXX<br> D<br> A |
| 255226719 |  |  | $XXXXXX<br> A |
| 2599730545 |  |  | $XXXXXX<br> A |
| 255372415 |  |  | $XXXXXX<br> A<br> C |
| 255368442 |  |  | $XXXXXX<br> C<br> A |
| 255371807 |  |  | $XXXXXX<br> C<br> A |
| 255359358 |  |  | $XXXXXX<br> A |
| 255356391 |  |  | $XXXXXX<br> A |
| 2599735526 |  |  | $XXXXXX<br> A |
| 255377430 |  |  | $XXXXXX<br> C<br> A<br> B |
| 255368406 |  |  | $XXXXXX<br> A<br> C |
| 2599736166 |  |  | $XXXXXX<br> A |
| 255398077 |  |  | $XXXXXX<br> A |
| 980121342628 |  |  | $XXXXXX<br> A |

---

## Exhibit 99.18

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 409014107 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 409016610 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409016305 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 409017774 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  | XXX | XXX | .1000 | Enhanced Desk Review | $XXX | XXX | .1000 | XX/XX/XXXX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  | $XXX | XXX | .1000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409017775 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409018327 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  | XXX | XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409018285 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 409020612 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 409018911 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409017301 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 409024844 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409024855 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409025642 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409026009 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 409024207 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 409025629 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409025135 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 409025154 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409026592 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409024075 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 409024295 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 409025190 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409025763 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409026167 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409025854 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409025292 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 409023829 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | -.0345 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0345 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 409023991 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 409024192 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| 409025752 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 409025186 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409024271 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 409025970 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 409026731 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409025180 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409025911 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409025966 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409026041 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 409026691 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409026744 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409026685 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409026690 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  | $XXX | XXX | .0142 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 |  |
| 409026738 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  | $XXX | XXX | .1706 | XX/XX/XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409026729 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 409026694 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409026692 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409025152 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409025161 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 409025184 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409026052 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409026579 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409025725 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409027016 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409024391 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409026574 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |
| 409024017 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 409023443 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409025687 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 409025700 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 409026608 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409025085 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409024802 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409024839 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 409026254 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -1.0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .000 |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 409028985 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409028981 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409025164 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 409026399 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 409029160 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | -.0816 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0816 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409025171 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409026241 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 409024834 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409025158 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409025732 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409026217 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409026573 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 409026613 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409025711 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409025721 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409018831 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 409026199 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 409026372 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409026719 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409026733 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409026722 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 409026706 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409026721 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  | $XXX | XXX | .0054 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| 409025771 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409024545 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  | $XXX | XXX | .1111 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 409024555 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 409025716 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409024641 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409026723 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409026734 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409026736 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 409026728 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 409026735 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 409026686 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409026702 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 409026727 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409026720 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  | $XXX | XXX | .0250 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 409026730 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 409026726 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 409026465 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 409026710 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  | $XXX | XXX | .0610 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 409025440 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 409026023 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409026323 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |  |
| 409026503 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 409029138 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0036 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0036 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409029148 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409025587 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 409024422 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409026063 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409025811 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409026653 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 409026708 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 409028948 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409024272 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409027062 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409029342 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409025124 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 409025607 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409025706 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 409026080 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 409026194 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 409026302 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 409026630 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409025636 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409026604 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 409025633 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409025133 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable |  |  |
| 409023921 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 409024646 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| 409025112 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable |  |  |
| 409025446 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409021115 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 409025352 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 409026280 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409026400 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | -.0323 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0323 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 409023928 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 409026049 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 409025773 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409025410 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409026360 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409026192 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409022281 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 409024221 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 409024654 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 409025789 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 409026205 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409026472 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409026498 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409026599 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409026643 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.7 |  |
| 409026903 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409023446 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 409024286 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | -.0678 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0678 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 409025699 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409025922 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 409025581 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |
| 409026114 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 409026363 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | -.0244 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0244 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 409026460 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.1 |  |
| 409026562 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 409029000 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409030529 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 409026427 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409030505 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | -.0100 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0100 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409030875 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409026512 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409025317 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 409026918 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409026618 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409026098 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409029338 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409025621 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409025634 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |  |
| 409025913 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| 409026466 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409026495 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409026596 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409026988 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 409028863 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409030918 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409024426 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409029190 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409030504 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  | $XXX | XXX | .0036 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 409027052 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| 409026508 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | -.0515 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0515 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 409026916 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 409031133 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| 409025136 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409026196 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409026216 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 409029123 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409026611 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409026914 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 409027067 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409029334 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable |  |  |
| 409018830 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 409025421 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 409025718 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409025969 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | -.0358 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0358 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 409026222 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 409026293 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 409026374 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409026632 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409026986 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409028840 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409028996 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409029212 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| 409030544 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409018825 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409018835 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409026236 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409026351 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409026917 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| 409027048 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 409028979 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | -.0110 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0110 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409028998 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | -.0444 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0444 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409029011 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0976 | 1004 URAR |  |  |  |  | $XXX | XXX | .0976 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 409028832 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 409028831 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 409028834 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 409028827 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409028836 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 409025432 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409025705 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 409025907 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409025908 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409026111 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409026279 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409030461 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 409026387 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 409026441 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 409026347 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409030444 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409026581 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409026542 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409026588 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 409026657 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409027022 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409029207 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable |  |  |
| 409026010 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409026248 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 409024795 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409029174 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 409012899 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409026497 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409026219 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409026320 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409025801 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | -.0091 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0091 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409025422 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | -.2105 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.2105 | XXX |  | XX/XX/XXXX | $XXX | -13.85% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 409026033 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409026417 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  | $XXX | XXX | .0104 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 409026489 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409026902 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.7 |  |
| 409029252 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 409030558 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | -.0160 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0160 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409031545 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409030247 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409031546 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | 1.2 |  |
| 409025779 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 409021285 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 409026288 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409026584 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409025125 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409025651 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 409025757 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409026414 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409028950 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409029271 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 409030462 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409026436 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409026540 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 409026929 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 409028994 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 409029082 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable |  |  |
| 409030539 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409030570 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 409030911 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409030884 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409031542 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 409031822 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0038 | 1004 URAR |  |  |  |  | $XXX | XXX | .0038 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.9 |  |
| 409031658 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .1667 | 1004 URAR |  |  |  |  | $XXX | XXX | .1667 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409031596 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409026029 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409026110 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 409026995 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 409027023 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 409029110 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable |  |  |
| 409030568 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409030576 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| 409031032 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409031223 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 409032179 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409025300 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409026462 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 409027053 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |
| 409027047 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 409025909 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409026985 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409029026 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 409031281 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 409030992 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409032167 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 409016419 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 409025786 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409031087 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 409026934 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 409027046 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409028962 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.7 |  |
| 409029016 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 409029244 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 409030242 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 409030648 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409029030 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 409030443 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409030470 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409026109 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 409026331 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable |  |  |
| 409030468 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 409030475 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409030607 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409030997 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409032237 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409026024 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409030592 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 409031022 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409026434 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 409031055 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409031066 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 409027036 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409030228 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 409026543 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409031264 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| 409026446 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409026423 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 409028997 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409031155 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409028968 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 |  |
| 409029303 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 409026291 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.1 |  |
| 409029307 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 409031681 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 409031046 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |
| 409031492 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| 409026268 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409026444 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 409029104 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 409030903 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 409031173 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| 409031285 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 409032233 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 409026095 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409027060 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409030266 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 409030663 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409030664 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409031598 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 409032747 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | -.0691 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0691 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409030512 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409030519 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409030527 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 409030534 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 409031531 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409031611 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409028847 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409029267 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409028971 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable |  |  |
| 409026413 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409026445 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409026449 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409032959 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 409031633 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| 409027025 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 409025442 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | -.0455 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0455 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409032265 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409030543 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 409032580 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable |  |  |
| 409030263 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 409030496 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 409031035 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 409029040 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| 409030644 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 409025980 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 409031023 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 409033366 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 409031574 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409032433 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 409032727 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| 255236385 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  | $XXX | XXX | -.1586 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 255245914 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 255236389 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2599704301 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 2599730814 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 2599735841 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2599727650 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 980121324205 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 980121337500 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.4 |  |
| 2599732858 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 2599734327 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 255351711 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2599727104 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  | $XXX | XXX | .0965 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 980121340167 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 255355150 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 255337681 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 2599736767 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 980121309259 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 980121337457 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 980121336614 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 980121341482 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 255344930 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | -.0625 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0625 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 255342988 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 980121282251 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 255335167 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 255362331 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 2599731638 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 980121339401 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 255242559 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 980121305626 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 255351773 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | -.0870 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | -.0870 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 255353365 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| 255345442 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2599734461 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 255249251 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 255327098 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 255372090 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 255363212 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 255349097 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 255367852 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 255345222 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 255304454 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 255358362 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 255378403 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 255343435 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 255291695 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| 255363306 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| 255351902 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 980121343210 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 980121339833 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  | $XXX | XXX | .0176 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 255370233 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 255377776 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2599738321 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2599732480 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2599734114 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 980121339551 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 255357210 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 255361389 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 255377321 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 255195106 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 255226719 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2599730545 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 255372415 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 255368442 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 255371807 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 255359358 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 255356391 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2599735526 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 255377430 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 255368406 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2599736166 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 255398077 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 980121342628 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX% | XXX% | $XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |

---

## Exhibit 99.19

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan Number** | **ULI** | **Settlement Date** | **QM Type** | **Guideline Name** | **UW Guideline Author** | **UW Guideline Version Date** | **UW Guideline Matrix Name** | **UW Guideline Matrix Date** | **QM Regulation Failures** | **Bedroom Count** | **Approval Status** | **Correspondent Name** | **Pool** | **Application Date** | **Note Date** | **Maturity Date** | **Loan Status** | **Loan Type** | **Product Type** | **TRID** | **ARM Hybrid Period** | **Number of Borrowers** | **Borrower 1 First Name** | **Borrower 1 Middle Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Middle Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Middle Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Middle Name** | **Borrower 4 Last Name** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower 1 Job** | **Job Yrs Borrower 1** | **Borrower 2 Job** | **Job Yrs Borrower 2** | **Borrower 3 Job** | **Job Yrs Borrower 3** | **Borrower 4 Job** | **Job Yrs Borrower 4** | **Borrower 1 Occupation** | **Borrower 1 Years In Field** | **Borrower 2 Occupation** | **Borrower 2 Years In Field** | **Borrower 3 Occupation** | **Borrower 3 Years In Field** | **Borrower 4 Occupation** | **Borrower 4 Years In Field** | **Borrower 3 Income Verification Level** | **Borrower 4 Income Verification Level** | **Borrower 3 Employment Verification Level** | **Borrower 4 Employment Verification level** | **Borrower 1 First Time Buyer** | **Borrower 2 First Time Buyer** | **Borrower 3 First Time Buyer** | **Borrower 4 First Time Buyer** | **Representative Decision FICO Score** | **Borrower 3 Original FICO Equifax** | **Borrower 3 Original FICO Experian** | **Borrower 3 Original FICO Transunion** | **Borrower 4 Original FICO Equifax** | **Borrower 4 Original FICO Experian** | **Borrower 4 Original FICO Transunion** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrower 3 Citizenship** | **Borrower 4 Citizenship** | **Documentation Type** | **Delayed Financing Flag** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Business & Personal Bank Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Months of Profit and Loss Statements** | **CPA Letter Flag** | **Expense letter Flag** | **Number of Months CPA Verified Income** | **WVOE Flag** | **Number of Months WVOE** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **1- year Tax Return Flag** | **Years of Tax Transcripts** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Front HTI Ratio** | **Back DTI Ratio** | **Borrower 3 Asset Verification Level** | **Borrower 4 Asset Verification Level** | **Liquid Assets** | **Total Assets** | **Reserves** | **Property Street Address** | **City** | **State** | **County** | **Zip** | **MI Company Name** | **Mortgage Insurance** | **MI Coverage Amount** | **MI Certificate Number** | **Flood Insurance Provided** | **Flood Policy Amount** | **Flood Expiration Date** | **Name of Flood Insurer** | **Flood Policy Number** | **Monthly Flood Payment** | **Flood Coverage Amount** | **Flood Policy Active** | **Flood Coverage Adeq** | **Flood Map Panel** | **Flood Mapped Date** | **Flood Certificate Number** | **Flood Certificate Date** | **Flood Vendor Name** | **Flood Zone** | **Flood Community** | **Flood Contract Type** | **Flood Program Type** | **Hazard Policy Amount** | **Hazard Expiration Date** | **Hazard Insurer Name** | **Hazard Policy Number** | **Hazard Coverage Amount** | **Hazard Coverage Active** | **Hazard Coverage Adeq** | **Times 30 Days DQ on Prior Mortgage** | **Times 60 Days DQ on Prior Mortgage** | **Times 90 Days DQ on Prior Mortgage** | **Prior Bankruptcy Flag** | **Bankruptcy Filing Date** | **Prior Bankruptcy Chapter** | **Prior bankruptcy Discharge Date** | **Ever In Foreclosure** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Origination Lender** | **Late Charge Type** | **Late Charges Percent** | **APR** | **Temporary Buydown Flag** | **T4506 Income Supported** | **Total Subject Housing Fully Indexed** | **Qualifying Fully Indexed P&I** | **Total Subject Housing** | **Original P&I** | **PITI** | **T&I** | **HOA** | **Primary Housing Payment** | **Second Mortgage Payment** | **Months Reserves** | **Other Liens Payment** | **Silent Second Lien Flag** | **Second Lien Amount** | **Lease in Place 1007/Lease in file** | **Market Rents** | **Subject Rental Income** | **Approved DSCR** | **Investment/No Ratio DSCR** | **LLC Flag** | **LLC Name** | **Short Term Rental** | **Declining Market** | **Guarantor** | **Units** | **Borrower SSN** | **Co Borrower SSN** | **Tax Payment** | **Residual Income** | **Times 30 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 60 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 90 Days DQ on 12 Prior Months of Current Mortgage History** | **Condo Project Classification** | **Default Note Rate Provision** | **MERS Number** |
| 409014107 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX |  | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 0.81 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409016610 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 0.98 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409016305 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 0.80 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409017774 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX |  |  |  |  | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 0.98 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409017775 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 0.96 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409018327 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 0.95 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409018285 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.10 |  | XXX | XXX | Yes | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409020612 | XXX | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409018911 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.14 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409017301 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.10 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409024844 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409024855 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.02 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025642 | XXX | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | APOR Threshold | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026009 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  |  | XXX |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409024207 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.26 |  | XXX | XXX | Yes | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025629 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 0.75 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025135 | XXX | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 24 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  |  |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025154 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.37 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX |  |
| 409026592 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 10.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.01 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409024075 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.14 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409024295 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  |  |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025190 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.01 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025763 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 40 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.00 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026167 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | W2/1099 Verified | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | Yes | No | XXX | No |  | 2 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025854 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 0.89 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025292 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.22 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409023829 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  |  |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409023991 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.80 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409024192 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025752 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.55 |  | XXX | XXX | Yes | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025186 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409024271 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.01 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409025970 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | Yes | XXX | XXX | XXX |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026731 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 10.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  |  | XXX |  |  |  | No | XXX | XXX | 1.21 |  | XXX |  | Yes | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025180 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.34 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025911 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  | XXX | XXX | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025966 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026041 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.46 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026691 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | Yes | No | XXX | No |  | 0 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026744 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026685 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX | XXX | XXX | XXX | No | No | XXX | No |  | 0 | 0 | No | 2 | 2 | 2 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026690 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 24 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026738 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 2.01 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026729 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX | XX/XX/XXXX | 7 | XX/XX/XXXX | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 10.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.26 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026694 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  | XXX | XXX | Yes | No | XXX | No |  | 0 | 0 | No | 2 | 2 | 2 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026692 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | No | No | XXX | Yes | XXX | 2 | 2 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  |  |  |  |  |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025152 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.17 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX |  |
| 409025161 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025184 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 0.96 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026052 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  |  |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026579 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 0.96 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX |  |
| 409025725 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409027016 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX | XXX | XXX | XXX | XXX | XXX | XXXXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 - Not Stated, Not Verified | 1 - Not Stated, Not Verified | 1 - Not Stated, Not Verified | 1 - Not Stated, Not Verified | XXX | XXX | No | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | US Citizen | US Citizen | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX | 4 - Verified 2+ Mos | 4 - Verified 2+ Mos | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.80 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409024391 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.29 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026574 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 0.81 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409024017 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 1 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409023443 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025687 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.26 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409025700 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.46 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026608 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025085 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.00 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409024802 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | QM Points and Fees Exceeded | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409024839 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | Yes | XXX | XXX | XXX |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026254 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | W2/1099 Verified | No | No | No |  |  |  |  |  |  |  |  | XXX | XXX | No | Yes | XXX | No |  | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409028985 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 10.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.19 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409028981 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025164 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 0 | 0 | No | 0 | 0 | 1 | 1 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026399 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 0.94 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409029160 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 10.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.36 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409025171 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.21 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026241 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409024834 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.07 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025158 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.64 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025732 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.08 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026217 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.30 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026573 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Interest Only | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed IO | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  |  |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026613 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.01 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX |  |
| 409025711 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.20 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025721 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.01 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409018831 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.27 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026199 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 40 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 2.52 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026372 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX | XX/XX/XXXX | 7 | XX/XX/XXXX | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.65 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026719 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026733 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.76 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026722 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 0 | 2 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026706 | 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 |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026721 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed IO | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025771 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.47 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409024545 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 24 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409024555 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 24 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025716 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.35 |  | XXX | XXX | Yes | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409024641 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.39 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026723 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | Yes | XXX | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX | 4 - Verified 2+ Mos | 3 - Verified<2Mos | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026734 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.11 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026736 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.13 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026728 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.25 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026735 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.55 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026686 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026702 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409026727 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.73 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026720 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Interest Only | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed IO | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  |  | XXX |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026730 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 10.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.19 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026726 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026465 | 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 IO | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 0.99 |  | XXX |  | Yes | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409026710 | XXX | XX/XX/XXXX | ATR/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 | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025440 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026023 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026323 | 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 IO | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.12 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026503 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.15 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409029138 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.30 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409029148 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.30 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409025587 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX | 4 - Verified 2+ Mos | 4 - Verified 2+ Mos | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409024422 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026063 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.00 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409025811 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026653 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Interest Only | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | No | XXX | Yes | XXX | 0 | 2 | No | 0 | 0 | 0 | 0 | XXX | XXX | 4 - Verified 2+ Mos | 4 - Verified 2+ Mos | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 |  |  |  | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026708 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409028948 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.12 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409024272 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409027062 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | APOR Threshold | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409029342 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025124 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409025607 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.02 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025706 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 0.94 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026080 | XXX | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026194 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Total Asset Calculation | No | No | Yes | XXX | XXX | XXX |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026302 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.12 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026630 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.01 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX |  |
| 409025636 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026604 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.42 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025633 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX | 3 - Verified<2Mos |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025133 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.08 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409023921 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409024646 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.29 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025112 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.42 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025446 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.18 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409021115 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  |  |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025352 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026280 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  | 1 - Not Stated, Not Verified |  | 1 - Not Stated, Not Verified |  | XXX | XXX | No |  | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX | US Citizen |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX | 4 - Verified 2+ Mos |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026400 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 1 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409023928 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.39 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026049 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.46 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025773 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.48 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025410 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  |  | XXX |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409026360 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026192 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.03 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409022281 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409024221 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Loan Term Exceeds 30 Years | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 40 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409024654 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 20 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | No |  |  |  |  |  |  |  |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025789 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | Other Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  |  |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.28 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026205 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 0.99 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 1 | 0 | 0 |  | XXX | XXX |
| 409026472 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026498 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Interest Only | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 1 | 0 | No | 2 | 2 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026599 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.43 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026643 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 40 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  |  |  |  |  |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.01 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026903 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 10/1 or 10/6 Mos ARM | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409023446 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409024286 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Interest Only | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 40 Year Fixed IO | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025699 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025922 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.18 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025581 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.45 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026114 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.00 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026363 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.49 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026460 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026562 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.00 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409029000 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.03 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409030529 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026427 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Interest Only | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 10/1 or 10/6 Mos ARM | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409030505 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.23 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409030875 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 10.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.16 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026512 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.19 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025317 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.24 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026918 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026618 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.01 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026098 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.20 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409029338 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.05 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025621 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025634 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025913 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026466 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409026495 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026596 | XXX | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026988 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.11 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409028863 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX |  | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.06 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409030918 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | APOR Threshold | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409024426 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409029190 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409030504 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Interest Only | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409027052 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.00 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026508 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  |  |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026916 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.47 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409031133 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX | 4 - Verified 2+ Mos | 4 - Verified 2+ Mos | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.80 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025136 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.16 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026196 | XXX | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | APOR Threshold | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026216 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.19 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409029123 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.00 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409026611 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.00 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026914 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409027067 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.17 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409029334 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.37 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409018830 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.30 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025421 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Total Asset Calculation | No | No | Yes | XXX | XXX | XXX |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409025718 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.03 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409025969 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026222 | XXX | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | APOR Threshold | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026293 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX | 4 - Verified 2+ Mos |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.41 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026374 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026632 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.31 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026986 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.16 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409028840 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.08 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409028996 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.16 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409029212 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409030544 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Total Asset Calculation | No | No | Yes | XXX | XXX | XXX |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 1 | 1 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409018825 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.02 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409018835 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.05 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026236 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026351 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.18 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026917 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409027048 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.27 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409028979 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.17 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409028998 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409029011 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.11 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409028832 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 0.93 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409028831 | XXX | XX/XX/XXXX | ATR/QM: Exempt | 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 | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.18 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409028834 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.02 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409028827 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.11 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409028836 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.08 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025432 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.57 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025705 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.11 |  | XXX | XXX | Yes | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025907 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.27 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025908 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.49 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026111 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026279 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.06 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409030461 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.53 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026387 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.24 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026441 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026347 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.14 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409030444 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026581 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX | XXX |  | XXX |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 - Not Stated, Not Verified |  | 1 - Not Stated, Not Verified |  | XXX | XXX | No |  | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX | US Citizen |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX | 1 - Not Stated Not Verified |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.29 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX |  |
| 409026542 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.00 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026588 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 1 | 0 | No | 0 | 0 | 0 | 1 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026657 |  | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | APOR Threshold | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409027022 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No |  | 0.00 | 1.35 |  | XXX |  | Yes | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409029207 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.45 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026010 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026248 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.06 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409024795 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409029174 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Total Asset Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409012899 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.02 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026497 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | 1 - Not Stated, Not Verified |  | 1 - Not Stated, Not Verified |  | XXX | XXX | No |  | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX | US Citizen |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX | 4 - Verified 2+ Mos |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.08 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX |  |
| 409026219 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026320 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.45 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025801 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.08 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025422 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026033 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | QM Points and Fees Exceeded | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026417 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026489 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026902 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.24 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409029252 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  | XXX | XXX | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409030558 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 40 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.60 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409031545 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 1 | 0 |  | XXX | XXX |
| 409030247 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Interest Only | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 40 Year Fixed IO | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409031546 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025779 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | QM Points and Fees Exceeded | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409021285 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Retirement Income Doc Verified | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 2 | 2 | 2 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026288 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.56 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026584 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 2 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409025125 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025651 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025757 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.39 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026414 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.10 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409028950 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Total Asset Calculation | No | No | Yes | XXX | XXX | XXX |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409029271 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409030462 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.43 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026436 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 0.78 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026540 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.35 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409026929 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.69 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409028994 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409029082 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.89 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409030539 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.16 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409030570 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Total Asset Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409030911 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.14 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409030884 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX | XXX | XXX | XXX | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409031542 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409031822 |  | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | APOR Threshold | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | W2/1099 Verified | No | No | No |  |  |  |  |  |  |  |  |  |  | Yes | No | XXX | No |  | 1 | 0 | No | 1 | 1 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409031658 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409031596 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026029 | XXX | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | APOR Threshold | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026110 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.31 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026995 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.13 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409027023 | 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 IO | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.00 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409029110 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.32 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409030568 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409030576 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.00 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409031032 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 2.08 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409031223 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409032179 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.95 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX |  |
| 409025300 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.04 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026462 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 2 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409027053 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.02 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 1 | 0 | 0 |  | XXX | XXX |
| 409027047 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | Other Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.53 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025909 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 2.13 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026985 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.52 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409029026 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.08 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409031281 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | QM Points and Fees Exceeded | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409030992 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.25 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409032167 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.37 |  | XXX |  | Yes | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409016419 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  |  |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025786 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409031087 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026934 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 2.21 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409027046 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409028962 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | Yes | XXX | XXX | XXX |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409029016 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.26 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409029244 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409030242 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.00 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409030648 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  | XXX | XXX | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409029030 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.47 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409030443 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409030470 | 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 | 5/1 or 5/6 Mos ARM | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.13 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409026109 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.48 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026331 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.38 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409030468 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.00 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409030475 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | APOR Threshold | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409030607 | 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 IO | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.00 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409030997 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.33 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409032237 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | W2/1099 Verified | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 2 | 2 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026024 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409030592 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.66 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409031022 | XXX |  | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  |  |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026434 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.01 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409031055 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409031066 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409027036 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.34 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409030228 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.07 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026543 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.26 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409031264 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.19 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026446 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX |  |  | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.23 |  | XXX | XXX | Yes | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409026423 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.14 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409028997 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409031155 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  |  |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409028968 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409029303 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.28 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409026291 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409029307 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409031681 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.20 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409031046 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.12 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 1 | 0 | 0 |  | XXX | XXX |
| 409031492 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 2 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026268 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026444 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409029104 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | QM Points and Fees Exceeded | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409030903 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409031173 | XXX | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  |  |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409031285 | XXX | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | APOR Threshold | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409032233 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026095 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX | XX/XX/XXXX | 7 | XX/XX/XXXX | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409027060 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.32 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409030266 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409030663 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.25 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409030664 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.25 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409031598 |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Interest Only | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed IO | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 3 | 3 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409032747 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409030512 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.68 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409030519 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.28 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409030527 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.54 |  | XXX | XXX | Yes | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409030534 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.54 |  | XXX | XXX | Yes | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409031531 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.03 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409031611 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.12 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409028847 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.13 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409029267 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Max Amount | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.49 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409028971 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.48 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026413 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409026445 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX |  | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.02 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409026449 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  |  |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.05 |  | XXX | XXX | Yes | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409032959 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409031633 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409027025 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025442 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.59 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409032265 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.40 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409030543 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.16 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409032580 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.05 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409030263 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.27 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409030496 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409031035 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 409029040 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409030644 |  | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.31 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409025980 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Debt Ratio Calculation | No | No | Yes | XXX | XXX | XXX |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409031023 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409033366 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.00 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409031574 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409032433 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | QM Points and Fees Exceeded | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX | 4 - Verified 2+ Mos |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 409032727 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 255236385 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.67 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 255245914 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.00 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 255236389 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.52 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 2599704301 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 2599730814 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 2599735841 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.12 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 2599727650 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Retirement Income Doc Verified | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 1 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 980121324205 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | XXX | Yes | XXX | 2 | 2 | No | 0 | 0 | 2 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 980121337500 | 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 |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 2599732858 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.49 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 2599734327 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 255351711 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Retirement Income Doc Verified | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 2599727104 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.31 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 980121340167 | 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 | 40 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  | XXX | XXX | No | No | XXX | Yes | XXX | 0 | 2 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 255355150 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 1 | 1 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 255337681 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 24 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 2599736767 | 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 | 40 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 980121309259 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 980121337457 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 980121336614 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 980121341482 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed IO | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 2 | 2 | 2 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 255344930 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes |  | 3500.00 | 1.52 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 255342988 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.07 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 980121282251 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 1 | 1 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 255335167 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 255362331 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 2599731638 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 2 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 980121339401 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.09 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 255242559 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 2 | 2 | 2 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 980121305626 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 255351773 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.05 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 255353365 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX | XXX |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 255345442 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 2599734461 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.03 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 255249251 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 2.01 |  | XXX |  | Yes | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 255327098 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 255372090 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.41 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 255363212 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 2 | 2 | 2 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 255349097 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 255367852 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.11 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 255345222 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.67 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 255304454 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.99 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 255358362 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.45 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 255378403 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.62 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 255343435 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.56 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 255291695 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | XXX | No |  | 2 | 0 | No | 2 | 2 | 2 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 255363306 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.02 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 255351902 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 2 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 980121343210 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.07 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 980121339833 | 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 |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 255370233 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 255377776 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 2599738321 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 2599732480 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.29 |  | XXX | XXX | No | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 2599734114 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 980121339551 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Appendix Q Documentation | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 255357210 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX | XXX |  |  | No | No | XXX | No |  | 2 | 1 | No | 2 | 2 | 2 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | XXX | XXX |
| 255361389 | XXX | XX/XX/XXXX | ATR/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 |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 2 | 2 | 2 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 255377321 | 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<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 255195106 | 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<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 255226719 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.29 |  | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 2599730545 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 5.86 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 255372415 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 2 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 255368442 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.00 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 255371807 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.53 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 255359358 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 2 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 255356391 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.15 |  | XXX |  | No | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 2599735526 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | Yes | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 255377430 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | $XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.04 |  | XXX |  | Yes | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 255368406 | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | XXX | XXX | XXX |  |  |  | XXX |  |  |  | No | Yes | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 2599736166 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | XXX | XXX | 1.34 |  | XXX |  | No | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 255398077 | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | XXX | XXX | 1.61 |  | XXX | XXX | Yes | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |
| 980121342628 | 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 |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  | XXX | XXX | Yes | No | XXX | Yes | XXX | 2 | 2 | No | 2 | 2 | 2 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | XXX |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | XXX | XXX |

---

## Exhibit 99.20

<br> ![](opus_logo.jpg)

SPIRE-1 2026

Redwood Residential Acquisition Corporation or its affiliates for the ASPIRE 2026-1 transaction

## Opus Capital Markets Consultants, LLC

300 Tri-State International – Suite 320 \| Lincolnshire, IL 60069 \| www.opuscmc.com \| 224.632.1300<br>

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### Executive Narrative

#### February 5, 2026

#### Performed by

#### Opus Capital Markets Consultants, LLC

#### For

#### Redwood Residential Acquisition Corporation or its affiliates for the ASPIRE 2026-1 transaction

The report summarizes the results of a due diligence review performed on a pool of 3 loans provided by Redwood Trust ("Customer") who provided Opus Capital Markets Consultants, LLC ("Consultant") with a data tape, from which 100% of the loan sample was chosen and loaded into the LauraMac underwriting software. Consultant performed a detailed credit and compliance review of all loans.

As detailed herein, the pool contains two (2) ATR/QM Exempt loans, all of which are DSCR, and one (1) NQM loan that was re-underwritten in accordance with the lender guidelines in terms of Exhibit A.

EXHIBIT A

#### Credit Review

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

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.

b) **Employment:** Review the file documentation for minimum required level of employment, income and asset verifications pursuant to Client provided underwriting guidelines.

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.

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.

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.

f) **Property Valuation:** Analyze all appraisals and alternative value tools used to qualify the loan for integrity of comparable sales, completeness of data, eligibility of the appraiser and reasonableness of estimated value. Review the appraisal to determine the appraisal(s) meet the requirements of Client provided underwriting guidelines.

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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.

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.

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

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:

a) Collateral Docs

<br> • 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.

<br> • 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.

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

b) Closing Docs

<br> • 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.

<br> • 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.

<br> • 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.

<br> • Loan Estimate: If required verify the presence of the current Loan Estimate (LE) at the time of origination

<br> • Closing Disclosure: If required verify the presence of the current Closing Disclosure (CD) at the time of origination.

c) Credit Docs

<br> • Loan Application: Verify the presence and completeness of both the initial and final loan applications.

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

<br> • 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.

<br> • 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.

<br> • 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.

<br> • 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.

<br> • 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.

<br> • Asset Documentation: Verify the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A review of the Notice of Right to Cancel, including a verification of the transaction date and expiration date, ensuring proper execution of the Notice of Right to Cancel by all required parties, verifying the disbursement date and determining if a full three (3) day rescission period was adequately provided to the borrower(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. This review is also to be performed on transactions that are exempt from the rescission requirement but on which a Notice of Right to Cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. A condition must be placed if the transaction is a refinance by the original creditor and the borrower was provided the Form H-8 rescission notice. Consultant will note in the condition whether there was a new advance that is subject to rescission per TILA/Regulation Z.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&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;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the initial Loan Estimate (LE) was delivered within three (3) business days of application and seven (7) business days prior to consummation in accordance with Client's Underwriting Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review the required sections of each LE to ensure they were populated in accordance with the TRID Rules. (If the file reflects more than one LE was provided, each revised LE must have corresponding Change of Circumstance documentation. The 0% and 10% fee tolerance evaluations will be based on the fee amounts disclosed on the initial LE and any valid changes documented and disclosed after the initial LE;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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.)

<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).

2. Section 4 of the Real Estate Settlement Procedures Act ("RESPA"), 12 U.S.C. §2603 and 2604, as implemented by Regulation X, 12 C.F.R. Part 1024, and as amended by the TRID Rule; TRID will be reviewed in accordance with the SFA TRID Grid 4.0, as amended from time to time.

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

4. Confirmation that one of the following are in the loan file, per the Fair Credit Reporting Act: Consumer Credit Score Disclosure, Your Credit Score and the Price You Pay for Credit, or Notice to Home Loan Applicant;

5. Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43: the general Ability to Repay underwriting standards (12 C.F.R. 1026.43(c)); refinancing of non-standard mortgages (12 C.F.R. 1026.43(d)); Qualified Mortgages (12 C.F.R. 1026.43(e) (including qualified mortgages as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.) and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.; and Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)) In accordance with "Ability to Repay and Qualified Mortgage Review" description below;

6. The Loan Originator Compensation and Prohibitions on Steering provisions of TILA, as implemented by Regulation Z, 12 C.F.R 1026.36;

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

8. The appraisal and valuation requirements of TILA and the Equal Credit Opportunity Act, as implemented by Regulation Z, 12 C.F.R. 1026.35 and Regulation B, 12 C.F.R. 1002.14, respectively;

9. The counseling requirements of TILA, as implemented by Regulation Z, 12 C.F.R. 1026.36(k) and RESPA, as implemented by Regulation X, 12 C.F.R. 1024.20;

10. The escrow requirements of TILA and RESPA, as implemented by Regulation Z, 12 C.F.R 1026.35, and Regulation X, 12 C.F.R 1024.17, respectively;

11. The disclosure requirements and prohibitions of any applicable state, county and municipal laws and ordinances, as amended, that have been enacted to regulate so-called "predatory lending":

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12. Consultant shall confirm that any mortgage property located in an area identified on a flood hazard map or flood insurance rate map issued by the Federal Emergency Management Agency as having special flood hazards is subject to a qualified flood insurance policy that appears to be is in effect.

13. For any loans designated as TILA exemption, Consultant shall review the loan file for evidence that the primary purpose of the loan was for commercial or business purposes, including, but not limited to a business purpose certification.

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

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

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

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

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

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

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

and

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

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

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

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

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

d. Closing Disclosure, if applicable

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Third party fees on the HUD-1 or Closing Disclosure if applicable referred to as HUD-1/Closing Disclosure, must be shown as paid to the third-party provider. A condition must be set if a third-party fee is paid to the lender, investor, etc. or the payee is blank.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. CONSULTANT will condition for evidence in the file indicating that a charge on the HUD-1/Closing Disclosure exceeds the actual cost to the borrower (i.e. cost printed / stamped on the face of the document showing an amount less than the charge on the HUD-1/Closing Disclosure). Variations of less than $1 are deemed to be within reasonable limits and are not to be reported.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Any refunds that are provided to the borrower must be accompanied by a revised HUD-1/Closing Disclosure to show the final, accurate charges to the borrower.

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

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

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Consultant is relying in reaching such findings.

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

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

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

2. For loans for which applications were received prior to July 1, 2021, if a loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, Consultant reviews the loan to determine whether, based on available information in the loan file the loan satisfied (i), (ii) and (iii) in the paragraph (3)(a)(i) below and reviews the Automated Underwriting System output within the file to confirm agency eligibility.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Qualified Mortgage</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. For QM (Safe Harbor or HPCT) designated loans, Consultant reviews the loan to determine whether, based on available information in the loan file: (i) the loan contains risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately. Consultant reviews to the applicable consider and verify requirements under the QM rule depending on whether the QM was originated under the original general QM definition or the revised general QM definition effective March 1, 2021.

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Current or reasonably expected income or assets that the consumer will rely on to repay the loan.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.Monthly payment on any simultaneous loans secured by the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.Monthly payments for property taxes and hazard/flood insurance and certain other costs related to the property such as homeowner's association fees or ground rent. 6.Debts, alimony, and child support obligations

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For loans designated as agency eligible, Consultant will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Consultant reviews loans to determine their conformity with the ATR/QM factors above and is not rendering an independent assessment or analysis. Consultant's review is based on information contained in the loan file at the time it is provided to Consultant, and only reflects information as of that point in time and does not mean any regulator, judicial or agency will agree with the Consultant's conclusion.

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

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

Please be further advised that Consultant does not employ personnel who are licensed to practice law in various jurisdictions, and the findings set forth in the reports prepared by Consultant do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Consultant. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including potential liability related to the purchase or other transaction involving any such loans, shall be made solely by the Client,

or other agreed upon party, that has engaged Consultant to prepare its reports pursuant to its instructions and guidelines. Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Consultant are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use.

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

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

could be brought by a consumer. The time period is not limited for claims, other than recession, which are raised as a defense to foreclosure. Information contained in any Consultant reports related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the

facts and circumstances of an individual loan.

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

<br> • Servicing Transfer Disclosure (for applications prior to 10/03/2015):

<br> o Confirm the presence of the Servicing Transfer Disclosure form in file

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

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

<br> o Confirm the presence of the Home Loan Tool Kit is in file for covered loans.

<br> o Confirm the Home Loan Tool Kit is provided within three general business days of application

<br> • Affiliated Business Disclosure

<br> o Confirm the presence of the Affiliated Business Disclosure in file in the event the lender has affiliated business arrangements

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| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;o | 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) |

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<br> o Confirm the Affiliated Business Disclosure is executed.

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<br> • Initial Escrow Disclosure Statement

<br> o Confirm the presence of the Initial Escrow Disclosure Statement in file

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

#### Equal Credit Opportunity Act (Regulation B)
<br> • Confirm the lender has provided the borrower a disclosure of the right to receive a copy of appraisals within three (3) business days of application. This disclosure requirement may be met by disclosure on the Loan Estimate pursuant to 12CFR § 1026.27(m)(1).

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

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

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

<br> • 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.

<br> • California Higher-Priced Mortgage Loan Statute, Cal. Fin. Code §4995 et seq.

<br> • Colorado Consumer Equity Protection Act, Colo, Rev. Stat. § 5-3.5-101 et seq..

<br> • Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a- 746 et seq., as amended from time to time.

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

<br> • 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.

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

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

<br> • Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq.

<br> • Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code §345.10 et seq.

<br> • 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.

<br> • 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.

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<br> • Cook County, Illinois, Anti-Predatory Lending Ordinance, Cook County Code of Ordinances § 34-341.

<br> • Cook County, Illinois, Anti-Predatory Lending Pilot Program, Illinois House Bill 4050 (2005).

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

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

<br> • Kansas Consumer Credit Code

<br> • Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat. § 360.100 et seq.

<br> • 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).

<br> • 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.

<br> • Maryland Commercial Law, Md. Code Ann., Com. Law §§ 12-124.1; 12-127; 12- 409.1; 12-1029.

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

<br> • Massachusetts High- Cost Mortgage Regulations, 209 CMR Parts 32 and 40, as amended from time to time.

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

<br> • Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter 183, §28C.

<br> • Massachusetts Mortgage Lender and Broker Regulations, 940 CMR §800 (15-17).

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

<br> • Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L. Chapter 184, §17B.5.

<br> • Michigan Consumer Mortgage Protection Act, Mich. Stat. Ann. § 445-1631 et seq.

<br> • Minnesota Mortgage Originator and Service Licensing Act, § 58.137 et seq. (S.F. 2988 (2002)), as amended by House File 1004 (2007) and Senate File 988 (2007).

<br> • Nebraska Mortgage Bankers Registration and Licensing Act, Neb. Stat § 45-702 et seq.

<br> • 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.

<br> • 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.

<br> • 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.

<br> • New York High-Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).

<br> • 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.

<br> • New York Subprime Home Loans Statute, NY Bank. Law § 6-m.

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

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

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

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

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

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

<br> • Oklahoma Consumer Credit Code.

<br> • Oklahoma Higher-Pr<u>ic</u>ed Mortgage Loans Law, Okla. Admin. Code §§ 160:45-9- 1 et seq.

<br> • Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons. Stat. Ann. § 456.501 et seq.

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

------

<br> • City of Providence, Rhode Island, Anti-Predatory Lending Ordinance, Chapter 2006-33, Ordinance No. 245.

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

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

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

<br> • Section 50(f)(2), Article XVI of the Texas Constitution

<br> • Utah Residential Mortgage Practices Amendments, Utah Code Ann. § 61-2c-102 et seq.

<br> • Utah High-Cost Home Loan Act, Utah Code § 61-2d-101 et seq.

<br> • Vermont Interest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2.

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

<br> • Virginia Mortgage Lender and Broker Act (for loans originated 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.

<br> • 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.

<br> • Virginia Senate Bill 797 (2008), effective July 1, 2008 (uncodified).

<br> • Washington House Bill 2770, Mortgage Lending Ownership

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

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

<br> • 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

<br> • Loan is an extension of credit primarily for business, commercial or agricultural purposes

<br> • 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

<br> • Flood Insurance coverage for the residential real estate is provided by a policy that

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

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

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

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#### 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:

1) Misrepresentation Review and Valuation Review

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

<br> • 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.

<br> • Alerts: Assess credit report alerts for accuracy and potential issues.

<br> • Social Security Numbers: Compare SSN(s) across all file documents.

<br> • 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.

<br> • Data Consistency: Review the documents contained in the loan file for consistency of data.

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

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

<br> • 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.

<br> • Property is described in average or better condition

<br> • No apparent appraiser independence violation statements

<br> • Appraisal addresses any adverse comments

<br> • Appraisal is completed on appropriate GSE Forms

<br> • Appraisal contains required attachments.

<br> • 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.

<br> • 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.

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

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<br> • 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 and communications with or responsibility to any individual concerning property valuations.

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

<br> • No apparent damage to the property

<br> • 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

<br> • Appraised Value

<br> • CLTV

<br> • DTI

<br> • FICO

<br> • Interest Only

<br> • Interest Rate

<br> • Loan Term

<br> • Loan Purpose

<br> • LTV

<br> • Occupancy

<br> • Original Balance

<br> • Property

<br> • Address

<br> • Property

<br> • City

<br> • Property State

<br> • Property Type

<br> • Sales Price

• Second Mortgage Lien Amount

<br> • Self Employed

<br> • Units

<br> • Zip Code

<br> • Loan Type

<br> • 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.

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#### 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
1) Opus Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The following grading is not intended for securitization reviews and Opus will not issue a Rating Agency Narrative, Reliance or Form ABS Due Diligence 15E if Client elects to utilize the following grading criteria. The methodology for the application of grading is defined by Opus and updated from time to time shall be determined as follows:

#### Opus Credit Grades
<br> • Level 1 Credit Grade Definition: Loan was originated in accordance with the mortgage loan originator underwriting guidelines without exception.

<br> • 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.

<br> • 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
<br> • Level 1 Compliance Grade Definition: Loan complies with all applicable laws and regulations reviewed under the applicable scope of work.

<br> • Level 2 Compliance Grade Definition: There are minor issues regarding legal and/or regulatory compliance but such

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<br>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.

<br> • 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**

<br> • Borrower Name

<br> • Co-Borrower Name

<br> • SSNs

<br> • Property Address, City, County, MSA, Zip

<br> • Mailing Address

<br> • Account Number, including Originator and Servicer Loan Number

<br> • Origination Date

<br> • Names of Borrowers or any other Individuals

<br> • Company and Entity Names

<br> • Financial Institution Names

<br> • Job Position Titles

<br> • Any Address

<br> • Any Location Information (other than state), including City, County, MSA and Zip

<br> • Account Numbers of any type

<br> • Insurance Claim Numbers

<br> • Insurance Policy Numbers

<br> • Foreclosure Action dates and Case Numbers

<br> • Bankruptcy Action dates and Case Numbers

<br> • Any reference that would allow the identification of the location of a property (e.g. neighborhood, body of water, schools, major highways)

#### DSCR Loan Review

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

#### Borrower Underwriting:
• **Borrower Liquidity:** Review and confirm borrower's liquidity position adheres to Underwriting Guidelines.

• **Credit / Background Check:** Review and confirm each guarantor and/or owner of the borrowing entity requirements meet Underwriting Guidelines, including OFAC.

• **Property management questionnaire:** Review the questionnaire to confirm management experience meets Underwriting Guidelines.

• **Borrowing Entity:** Confirm the entity is in good standing and duly formed (if applicable documents are in the file). Verify the individual signing on behalf of the organization has the authority to bind the entity (if applicable documents are in the file).

• **Loan-to-Value (LTV)/Loan-to-Cost (LTC) Limits:** Confirm the LTV/LTC meets Underwriting Guidelines per Underwriting 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
<br> • Loan Application: Verify the presence and completeness of both the initial and final loan applications.

<br> • 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.

<br> • 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.

<br> • 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.

<br> • 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.

<br> • Asset Documentation: Verify the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

<br> • 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
<br> • No compliance testing for the DSCR review.

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### Pool Details

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| | | |
|:---|:---|:---|
| **Product Type** | **Product Type** | **Product Type** |
| Type | Count | % of Pool |
| Fixed | 3 | 100.00% |
| ARM | 0 | 0.00% |
| Total | 3 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Occupancy** | **Occupancy** | **Occupancy** |
| Type | Count | % of Pool |
| Primary Residence | 1 | 33.33% |
| Second Home | 0 | 0.00% |
| Investment Property | 2 | 66.67% |
| Total | 3 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Property Type** | **Property Type** | **Property Type** |
| Type | Count | % of Pool |
| Single Family Detached | 3 | 100.00% |
| Co-op | 0 | 0.00% |
| Condo, Low Rise | 0 | 0.00% |
| Condo, High Rise | 0 | 0.00% |
| PUD | 0 | 0.00% |
| 1 Family Attached | 0 | 0.00% |
| 2 Family | 0 | 0.00% |
| 3 Family | 0 | 0.00% |
| 4 Family | 0 | 0.00% |
| Total | 3 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Purpose** | **Purpose** | **Purpose** |
| Type | Count | % of Pool |
| Cash out Refi | 0 | 0.00% |
| Purchase | 3 | 100.00% |
| Rate / Term Refi | 0 | 0.00% |
| Total | 3 | 100.00% |

---

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### Tape Discrepancies

---

| | | |
|:---|:---|:---|
| **Data Element** | **Count** | **Accuracy** |
| DTI | 1 | 66.67% |
| **Total Loan Population** | **3** |  |

---

**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.

### Loan Grading Definitions

#### Credit

---

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

---

#### Compliance

---

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

---

#### Property Valuation

---

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

---

------

### Loan Review Findings

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 February 5, 2026.

---

| | | |
|:---|:---|:---|
| **Overall Grade Summary** | | |
| **DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | **# of Loans** | **% of Loans** |
| A | 2 | 66.67% |
| B | 1 | 33.33% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Compliance Grade Summary** |  |  |
| **DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | **# of Loans** | **% of Loans** |
| A | 3 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Credit Grade Summary** |  |  |
| **DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | **# of Loans** | **% of Loans** |
| A | 2 | 66.67% |
| B | 1 | 33.33% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Property Grade Summary** |  |  |
| **DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | **# of Loans** | **% of Loans** |
| A | 3 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

------

---

| | | |
|:---|:---|:---|
| **Overall Grade Summary** | | |
| **S&P NRSRO Grade** | **# of Loans** | **% of Loans** |
| A | 2 | 66.67% |
| B | 1 | 33.33% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Compliance Grade Summary** |  |  |
| **S&P NRSRO Grade** | **# of Loans** | **% of Loans** |
| A | 3 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Credit Grade Summary** |  |  |
| **S&P NRSRO Grade** | **# of Loans** | **% of Loans** |
| A | 2 | 66.67% |
| B | 1 | 33.33% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Property Grade Summary** |  |  |
| **S&P NRSRO Grade** | **# of Loans** | **% of Loans** |
| A | 3 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

------

#### Loans Reviewed (3)

<u> 7166467536 </u> <br> <u> 7166468981 </u> <br> <u> 7166470123 </u>

If you have any questions, please contact Uriah Clavier at Uriah.Clavier@opuscmc.com

## Exhibit 99.21

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Borrower Last Name** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Resolved/Cured Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXXXX | 202602100 | XXXXXX |  |  | Closed | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Received credit supplement verifying primary residence mortgage payment to include 4/25. Condition cleared. - Due Diligence Vendor-08/14/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/13/2025 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Lender guidelines require a recent 12 month pay history for Primary Residence. Despite this requirement, evidence of mortgage payment for 4/25 is missing in loan file.<br> - Due Diligence Vendor-07/30/2025 |  | Resolved-Received credit supplement verifying primary residence mortgage payment to include 4/25. Condition cleared. - Due Diligence Vendor-08/14/2025<br>| supp.pdf |  |  | XX | Investment | Purchase<br> NA | 4990682 | N/A | N/A |
| XXXXXX | 202602100 | XXXXXX |  |  | Closed | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Missing Doc | The Note is Missing | Resolved-Received Note. Condition cleared. - Due Diligence Vendor-08/12/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/11/2025 <br>Open-The Note is Missing - Due Diligence Vendor-07/30/2025 |  | Resolved-Received Note. Condition cleared. - Due Diligence Vendor-08/12/2025<br>| XXXXXX-XXXXXXXXXXX-Note.pdf |  |  | XX | Investment | Purchase<br> NA | 4990248 | N/A | N/A |
| XXXXXX | 202602101 | XXXXXX |  |  | Closed | XX/XX/XXXX | XX/XX/XXXX |  | Waived | 2 - Non-Material | Credit | Eligibility | Debt Service Coverage Ratio below guideline minimum | Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-08/22/2025 <br>Ready for Review-Document Uploaded. - Seller-08/22/2025 <br>Counter-Received Lender Exception however it did not identify the subject loan by borrower name, subject property or loan number. Please provide updated exception to indicate it is for the subject loan. Condition remains. - Due Diligence Vendor-08/22/2025 <br>Ready for Review-Document Uploaded. - Seller-08/22/2025 <br>Counter-Received Lender Exception however it did not identify the subject loan by borrower name, subject property or loan number. Please provide updated exception to indicate it is for the subject loan. Condition remains. - Due Diligence Vendor-08/22/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/21/2025 <br>Counter-Unable to open document uploads from 8/20/2025. - Due Diligence Vendor-08/21/2025 <br>Ready for Review-Document Uploaded. - Seller-08/20/2025 <br>Counter-Experienced Investors with a DSCR between .8 and .99. are eligible for the DSCR < 1 pricing adjustment. The guidelines require a minimum DSCR of 1 for First Time Investors and the DSCR<1 pricing adjustment does not satisfy the guideline requirement. Please provide evidence the borrower is an Experienced Investor or an approved Exception for First Time Investor with DSCR <1 with Compensating Factors. - Due Diligence Vendor-08/15/2025 <br>Ready for Review-Document Uploaded. The guidelines pricing allows < 1.00 if the pricing is adjusted according. The next PDF is the lock confirmation showing they priced loan < 1.00. - Seller-08/14/2025 <br>Open-Audited DSCR of 0.901 is below guideline minimum of 1 Debt Service Coverage Ratio of 0.901 is below guideline minimum of 1 required for first time investors. - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. - Seller-08/22/2025 <br>Ready for Review-Document Uploaded. - Seller-08/22/2025 <br>Ready for Review-Document Uploaded. - Seller-08/20/2025 <br>Ready for Review-Document Uploaded. The guidelines pricing allows < 1.00 if the pricing is adjusted according. The next PDF is the lock confirmation showing they priced loan < 1.00. - Seller-08/14/2025<br>| Waived-A policy exception was issued post-closing. Lender exception was provided with appropriate compensating factors. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-08/22/2025<br>| Lock form 6_27_2025 11_02_17 AM.pdf<br>DSCR - BELOW 1.00.pdf<br>BusinessDetails.pdf<br>COMPANY INFO.docx<br>XXXXX - XXXXX - Initial Submission - OK to Proceed.pdf<br>XXXXX-Proceed.pdf<br>COMPANY INFO.pdf<br>Business details.pdf<br>COMPANY INFO With borrower information.pdf<br>XXXXX - XXXXX - Initial Submission - OK to Proceed (003).pdf |  | 69% LTV<br> 810 FICO | XX | Investment | Purchase<br> NA | 4994523 | Originator Post-Close | No |
| XXXXXX | 202602102 | XXXXXX |  |  | Closed | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-After further review of the guidelines, since no balance sheet was provided, the cash flow analysis of the 12 months business bank statement and underwriter memo regarding ATR is accepted. Condition cleared. <br> - Due Diligence Vendor-08/15/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/14/2025 <br>Counter-Lender provided an Income Analyzer Worksheet. Please provide a cash flow analysis of business assets & liabilities to be completed by the Seller to determine if the withdraw of funds from the business is acceptable. Condition remains. - Due Diligence Vendor-08/13/2025 <br>Ready for Review- - Due Diligence Vendor-08/13/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/12/2025 <br>Open-Missing business cash flow analysis. The use of business assets letter in file is from the borrower. Per the lender guidelines the use of business assets without a CPA/Tax preparer letter require a cash flow analysis of business assets & liabilities to be completed by the Seller to determine if the withdraw of funds from the business is acceptable. <br> - Due Diligence Vendor-08/04/2025 |  | Resolved-After further review of the guidelines, since no balance sheet was provided, the cash flow analysis of the 12 months business bank statement and underwriter memo regarding ATR is accepted. Condition cleared. <br> - Due Diligence Vendor-08/15/2025<br>| UW Worksheet.pdf<br>Analyzer-with LOX.pdf |  |  | XX | Primary Residence | Purchase<br> NA | 5047130 | N/A | N/A |
| XXXXXX | 202602102 | XXXXXX |  |  | Closed | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Resolved-RESPA Toolkit provided. Finding Resolved. - Due Diligence Vendor-08/13/2025 <br>Resolved-RESPA: Toolkit provided. - Due Diligence Vendor-08/13/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/12/2025 <br>Open-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-07/30/2025 |  | Resolved-RESPA Toolkit provided. Finding Resolved. - Due Diligence Vendor-08/13/2025 <br>Resolved-RESPA: Toolkit provided. - Due Diligence Vendor-08/13/2025<br>| XXXXXXXXX-Toolkit.pdf |  |  | XX | Primary Residence | Purchase<br> NA | 4993243 | N/A | N/A |

---

## Exhibit 99.22

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 202602100 |  |  | $XXXXX<br> D<br> A |
| 202602101 |  |  | $XXXXX<br> C<br> A<br> B |
| 202602102 |  |  | $XXXXX<br> D<br> B<br> A |

---

## Exhibit 99.23

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM DTI/Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 202602100 |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 202602101 |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 202602102 |  |  | 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 | 7.15 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXX | Yes | Employed |  | No |  | No |  |

---

## Exhibit 99.24

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 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 | 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 |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **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** | **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 # 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** | **Number of Units** | **Location** |
| 202602100 |  |  | DSCR |  | XXXXXX | No | eRESI DSCR Guidelines | XXXXXX | XX/XX/XXXX | V2 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.625% | 7.625% | $4869.63 | No |  | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $6267.74 |  | 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 | 1.037 | 1.04 |  | 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 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | 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 | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 108652.25 | 17.3 | 108652.25 | 17.3 | No | 80.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |
| 202602101 |  |  | DSCR |  | XXXXXX | No | eRESI DSCR Guidelines | XXXXXX | XX/XX/XXXX | V2 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 7.750% | 7.750% | $1067.45 | No |  | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $1221.47 |  | 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 | 0.901 | 1.01 |  | 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 | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | XX/XX/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 | 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 | 32104.45 | 26.3 | 32104.45 | 26.3 | No | 69.3 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |
| 202602102 |  |  | 24 Months Bank Statement |  | XXXXXX | No | eRESI - eXpert Enhanced Alt Doc 30yr Fixed | XXXXXX | XX/XX/XXXX | v1 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | 06/30/2025 | 6.770% | Manual Underwriting | Manual Underwriting | No | 7.150% |  | 6.990% | 6.990% | $13957.25 | No |  | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $0.00 | $17237.71 | $XXXXXX | N/A |  |  | $0.00 |  |  | 21.55% | 21.76% | 21.76% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0<br> NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, 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 | Borrower - 3 YRS Executed 4506T Verified | XXXXXX | XXXXXX | XX | XXXXX | XXXXXX | 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 | US Citizen | N/A | Real ID Driver's License |  | XX | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1860387.59 | 107.9 | 1860387.59 | 107.9 | No | 63.64 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  | 1 | Suburban |

---

## Exhibit 99.25

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** | **Primary Appraisal Occupancy** |
| XXXXXX | 202602100 |  | XXXXXX | DSCR | Debt Service Coverage Ratio | Present | No | 0 | 6500 | Appraisal - 1007 |  |  |  |  | 6500 | Appraisal - 1007 | No | 96.43 | 1.04 | 1.037 | 6267.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 50000 |  |  |  | $XXXXXX |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 17.34 | No |  |  | Vested Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| XXXXXX | 202602101 |  | XXXXXX | DSCR | Debt Service Coverage Ratio | Present | Subject Owner Occupied/Vacant | 0 | 1100 | Appraisal - 1007 |  |  |  |  | 1100 | Appraisal - 1007 | No | 111.04 | 1.01 | 0.901 | 1221.47 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18000 |  |  |  | $XXXXXX |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 26.28 | No |  |  | Vested Individual | XXXXX | XXXXX | Vested Individual | XXXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |

---

## Exhibit 99.26

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LoanRecordID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXXXX | 202602100 |  |  | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0000 | XXXXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | 4.1 | XX/XX/XXXX |
| XXXXXX | 202602101 |  |  | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 69.3 | 69.3 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | .0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX<br> Eligible | 1.9 | XX/XX/XXXX |
| XXXXXX | 202602102 |  |  | XX/XX/XXXX | $XXXXXX | $XXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXXX | 63.64 | 63.64 | $XXXXXX | $XXXXXX | .0310 | Desk Review |  |  |  |  | $XXXXXX | $XXXXXX | .0310 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0310 | XXXXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 | XX/XX/XXXX |

---

## Exhibit 99.27

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 202602102 |  |  | 0753-001 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | $XXXXXX | $XXXXXX | Audit reflects difference in negative rental income per documents in the loan file. <br>|

---

## Exhibit 99.28

![](clarifii_logo.jpg)

### EXECUTIVE SUMMARY

### SPIRE 2026-1

### By Clarifii LLC on February 6, 2026

SPIRE 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 1

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#### <br>

#### CLARIFII CONTACT INFORMATION

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

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#### OVERVIEW

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 70 Loans (the "Loans") originated by a correspondent lender and acquired by Aspire Sponsor, LLC (the "Client") or its affiliates for the SPIRE 2026-1 transaction. The loan were selected for the SPRIRE 2026-1 transaction by Aspire Sponsor, LLC and CCS. The Loans referenced in this narrative report were reviewed between 06/2025 to 12/2025 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

#### ORIGINATORS

Origination channels for the Loans in this review:

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| | | | |
|:---|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **% of Pool** | **Original Balance** |
| Retail | 25 | 35.71% | $15032162.00 |
| Correspondent Flow with Delegated UW | 3 | 4.29% | $1930000.00 |
| Wholesale | 42 | 60.00% | $22416549.00 |
| **Total** | **70** | **100.00%** | **$39378711.00** |

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The Review consisted of a population of 70 Loans, with an aggregate principal balance of $39,378,711.00.

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

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

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

The Review was conducted consistent with the criteria for the Nationally Recognized

Statistical Rating Organizations ("NRSROs") specified below:

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| | |
|:---|:---|
| **Identity of NRSRO** | **Title and Date of Criteria** |
| Fitch Ratings, Inc. | U.S. RMBS Rating Criteria, October 1, 2025 |
| Kroll Bond Rating Agency, LLC | U.S. RMBS Rating Methodology, December 7, 2023 |
| S&P Global Ratings | Global Methodology And Assumptions: Assessing Pools Of Residential Loans, January 25, 2019;<br> Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, February 21, 2025 |

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

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| |
|:---|
| **Data Comparison Field** |
| All Other Payments |
| Amortization Term |
| Amount of Other Lien |
| Application Date |
| Balloon Flag |
| Borrower 1 Any Outstanding Judgments? |
| Borrower 1 Any part of down payment borrowed? |
| Borrower 1 Bankruptcy in past 7 years? |
| Borrower 1 Birthdate |
| Borrower 1 Citizen |
| Borrower 1 Country Name |
| Borrower 1 Credit Report Date |
| Borrower 1 Do you intend to occupy property as primary residence? |
| Borrower 1 Email or Internet |
| Borrower 1 Employer 1 Position |
| Borrower 1 Employer 1 Years in Line of Work |
| Borrower 1 Ethnicity - Cuban |
| Borrower 1 Ethnicity - Hispanic or Latino |
| Borrower 1 Ethnicity - I do not wish to provide this information |
| Borrower 1 Ethnicity - Mexican |
| Borrower 1 Ethnicity - Not Hispanic or Latino |
| Borrower 1 Ethnicity - Other Hispanic or Latino |
| Borrower 1 Ethnicity - Puerto Rican |
| Borrower 1 Ethnicity Visual Observation or Surname |

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| |
|:---|
| Borrower 1 First Name |
| Borrower 1 Foreclosure in past 7 years? |
| Borrower 1 FTHB |
| Borrower 1 Has there been ownership in a property in last 3 yrs |
| Borrower 1 How was title held? |
| Borrower 1 Last Name |
| Borrower 1 Marital Status |
| Borrower 1 Middle Name |
| Borrower 1 Name of Employer1 |
| Borrower 1 Originator Citizenship Designation |
| Borrower 1 Other Income |
| Borrower 1 Qualifying Income |
| Borrower 1 Race - Asian |
| Borrower 1 Race - Asian Indian |
| Borrower 1 Race - I do not wish to provide this information |
| Borrower 1 Race - White |
| Borrower 1 Rent or Own |
| Borrower 1 Self-Employment Flag |
| Borrower 1 Sex - Female |
| Borrower 1 Sex - I do not wish to provide this information |
| Borrower 1 Sex - Male |
| Borrower 1 Sex Visual Observation or Surname |
| Borrower 1 SSN |
| Borrower 1 Telephone Interview |
| Borrower 1 Years in Current Home |
| Borrower 2 Birthdate |
| Borrower 2 Citizen |
| Borrower 2 Do you intend to occupy property as primary residence? |
| Borrower 2 Email or Internet |
| Borrower 2 Ethnicity - Hispanic or Latino |
| Borrower 2 Ethnicity - I do not wish to provide this information |
| Borrower 2 Ethnicity - Not Hispanic or Latino |
| Borrower 2 Ethnicity Visual Observation or Surname |
| Borrower 2 First Name |
| Borrower 2 Last Name |
| Borrower 2 Marital Status |
| Borrower 2 Middle Name |
| Borrower 2 Qualifying Income |
| Borrower 2 Race - I do not wish to provide this information |
| Borrower 2 Race - White |
| Borrower 2 Rent or Own |
| Borrower 2 Sex - Female |
| Borrower 2 Sex - I do not wish to provide this information |

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| |
|:---|
| Borrower 2 Sex - Male |
| Borrower 2 SSN |
| Borrower 2 Years in Current Home |
| Calculated DSCR |
| Cash Disbursement Date |
| Cash out Include Debt Paid at Close |
| Date Last Rate Was Set |
| FHA Streamline/VA IRRL Indicator |
| Final Reviewed QM Status |
| First Payment Date |
| Initial Monthly P&I Or IO Payment |
| Interest Only Flag |
| Interest Only Term |
| Interest Rate |
| Investor Loan ID |
| Lien Position |
| Loan Amount |
| Loan ID |
| Loan Origination Company |
| Loan Origination Company NMLS |
| Loan Program |
| Loan Purpose |
| Loan Type |
| Maturity Date |
| MIN No |
| Negative Amortization Flag |
| Note Date |
| Note Type |
| Number of Borrowers |
| Number of Mortgaged Properties |
| Number of Units |
| Occupancy |
| Origination Foreclosure Flag |
| Originator Doc Type |
| Originator QM Status |
| Payment Frequency |
| Prepayment Penalty Flag |
| Prepayment Penalty Total Term |
| Primary Appraised Property Value |
| Property Address |
| Property City |
| Property County |
| Property Rights |

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| |
|:---|
| Property State |
| Property Type |
| Property Value |
| Property Zip Code |
| Qualifying Amortization Term |
| Qualifying CLTV |
| Qualifying FICO |
| Qualifying Housing Debt Income Ratio |
| Qualifying LTV |
| Qualifying Total Debt Income Ratio |
| Qualifying Total Housing Expense PITIA |
| Qualifying Total Reserves Number of Months |
| Refinance Type |
| Sales Price |
| Seller Loan ID |
| Subject Property Gross Rental income |
| Term |
| Total Qualified Assets Available For Reserves |
| Total Qualifying Income |
| ULI |
| Verified Doc Type |

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

• **Loan Attributes**

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

<br> - Assets and Reserves

<br> - Gross Income

<br> - Lien Position

<br> - Loan Purpose

<br> - Housing History

<br> - Loan to Value Ratio (LTV) and Combined Loan to Value Ratio (CLTV)

<br> - Monthly Debt

<br> - Occupancy

<br> - Property Type

<br> - Qualifying principal, interest, tax, insurance, and association dues (PITIA)

<br> - Debt to Income Ratio (DTI)

<br> - Residual Income

<br> - Debt Service Coverage Ratio (DSCR)

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• **Credit Application** 

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

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

<br> - Borrower(s) employment history

<br> - Citizenship and eligibility

<br> - First time home buyer status

<br> - The application was signed by all borrowers

<br> - The application was substantially complete

• **Credit History**

Clarifii verified the following items:

<br> - A credit report or alternative credit history as applicable to Loan type is present for each borrower

<br> - Bankruptcy and foreclosure seasoning

<br> - Captured the monthly consumer debt payments for use in the applicable DTI calculation

<br> - Installment and revolving payment history

<br> - Mortgage/Rental payment history

<br> - Verified and reviewed Real Estate Owned, Office of Foreign Assets Control (OFAC) search, and Fraud Alerts

<br> - Number of tradelines

<br> - Credit Score(s) and Qualifying Score Methodology

• **Employment and Income**

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

<br> - Tax returns

<br> - Financial statements

<br> - Paystubs

<br> - IRS Form W-2s

<br> - IRS Form 1099

<br> - IRS documents

<br> - Bank statements

<br> - Lease agreements

<br> - Award letters

<br> - Other documentation in Loan file

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• **Fraud Review**

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

<br> - Borrower identity

<br> ◾ Social Security inconsistencies

<br> ◾ Borrower name variations

<br> - Occupancy

<br> ◾ Borrower address history

<br> ◾ Subject property ownership history

<br> - Employment

<br> - Licensing verification with the Nationwide Multistate Licensing System & Registry (NMLS):

<br> ◾ Mortgage lender/originator

<br> ◾ Loan officer

<br> - OFAC

• **Asset Review** 

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

<br> - Verification of deposits (VOD)

<br> - Depository account statements

<br> - Stock or security account statements

<br> - Gift funds

<br> - Settlements statements

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

<br> - Other documentation in Loan file

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

• **Property Insurance and Taxes**

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

<br> - Confirmed that the flood certification is for the correct borrower, property, lender, and Loan number and is a "Life of Loan" certification

<br> - Confirmed that the mortgagee clause lists the lender's name and "its successors and assigns"

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

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

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

<br> - Reviewed Tax Certificate to verify and compare monthly escrows used to calculate DTI matches and taxes are current

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

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

<br> - Calculated DSCR, as required by guidelines

<br> - Confirmed documentation requirements have been met

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

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

• **Initial and Final 1003 Application**

• **Note**

• **Mortgage/Deed of Trust**

• **Appraisal**

• **Sales Contract**

• **Title Commitment/Policy**

• **Junior Lien/Subordination Agreement**

• **Mortgage Insurance**

• **Underwriting Approval Documentation inclusive, but not limited to documents listed in the Credit Review section**

• **Flood Certification**

• **Initial and Final Loan Estimate (LE)**

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

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

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

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

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

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

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

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• **Compliance Documentation Requirements**

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

<br> - Initial and final application (1003)

<br> - Note, including all addendums

<br> - Copy of note for any junior liens (if applicable)

<br> - Mortgage / Deed of Trust, including all riders

<br> - Initial, Interim, and Final Loan Estimates (LE)

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

<br> - Notice of Right to Cancel (when applicable)

<br> - Rate Lock Date

<br> - HOEPA Disclosures (when applicable)

<br> - Initial Escrow Account Disclosure

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

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

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

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

**TILA/RESPA Integrated Disclosure Testing (TRID)**<br>

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

**Right of Rescission**<br>

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

**Qualified Mortgage and Ability to Repay**<br>

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

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

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

**Equal Credit Opportunity Act (ECOA)/Regulation B**<br>

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

**Fair Credit Reporting Act (FRCA)/Regulation V**<br>

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

**Miscellaneous Compliance Testing**<br>

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|:---|:---|
| ◾ | ***Mandatory Arbitration*** – Clarifii reported mandatory arbitration provisions present in the Loan file. |

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|:---|:---|
| ◾ | ***Single Premium Credit Insurance*** – Clarifii reported single premium credit insurance policies or debt cancellation agreements present in the Loan file. |

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|:---|:---|
| ◾ | ***State prepayment and late charge restrictions*** – Clarifii reported instances where a prepayment penalty that exceeds the state permitted penalty has expired. |

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

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

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

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

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

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

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

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

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

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

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

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

<br> - Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code § 345.10 et seq. (Repealed)

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

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

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

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

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

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

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

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

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

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

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

<br> - Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter 183, §28C.

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

<br> - Massachusetts Regulations for Higher Priced Mortgage Loans, 209 Mass. Code Regs. §§ 32.00 et seq.

<br> - Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L. Chapter 184, §17B.5.

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

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

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

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

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

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

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

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

<br> - New York Subprime Home Loans, NY Bank. Law § 6-m.

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

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

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

<br> - City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003.

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

<br> - Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003).

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

<br> - Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons. Stat. Ann. § 456.501 et seq.

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

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

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

<br> - South Carolina Consumer Protection Code, S.C. Code 37-1-101 et seq.

<br> - Tennessee Home Loan Protection Act of 2006, TN Code Annotated, Title 47 et seq.

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

<br> - The disclosure requirements and prohibitions of Section 50(a)(6) and 50(f)(2) of Article XVI of the Texas Constitution

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

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

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

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

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

<br> - Washington House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008.

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

<br> - Wisconsin Responsible High Cost Mortgage Lending Act, Wis. Stat. § 428.202.

<br> - Wyoming Credit Code, Wyo. Stat. Ann. §§ 40-14-101 et seq.

• **Business Purpose Loan Compliance Review**

<br> - Non-Owner Occupied Declaration Disclosure

<br> a. Verify reflects correct address

<br> b. Verify application address is different from subject property

<br> c. Verify executed by all borrowers

<br> - Review Note accuracy and properly executed

<br> - Review Mortgage and applicable riders for accuracy and properly executed

<br> - Occupancy Letter (must state that borrower(s) will not reside in the property

<br> - HMDA section (Information for Government Monitoring Purposes) of the application (initial and/or final)

<br> - If property is in a flood zone, Flood Notice must be provided prior to closing

<br> - Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

<br> - Letter of Explanation detailing the use of proceeds.

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<br> - Borrower's statement of purpose for the Loan.

<br> - State License requirements when applicable

<br> - State Predatory lending and high cost when applicable

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

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

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

ABILITY TO REPAY (ATR)

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

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

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

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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)**

<br>Clarifii checked for the presence of the appraiser's license and reviewed for the presence of any red flags related to the mortgaged property that may have posed a risk to the property or occupants.

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

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

INDEPENDENT THIRD-PARTY VALUES

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

Valuation Reconciliation Process:

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

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

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

Uniform Collateral Data Portal (UCDP) Risk Score:

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

• For Loans with a Freddie Mac Loan Collateral Advisor Score (LCA), if an LCA Score was available and the LCA Score was greater than 2.5, a Desk Review was either reviewed in the Loan file or ordered by Clarifii. If the LCA Score was less than or equal to 2.5, a Desk Review was not obtained/required based on market acceptance of UCDP Risk Score.

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VALUATION RESULTS SUMMARY

The table below summarizes the Loans that contained independent third-party valuation product as well as Loans with acceptable UCDP Risk Scores:

---

| | | | |
|:---|:---|:---|:---|
| **Valuation Product** | **# of Files – No Hit** | **# of Files > -10% Variance to OA or Confidence < 80%** | **Number of Files within -10% of OA or Acceptable UCDP Risk Score \*** |
| No Secondary Product | 0 | 0 | 0 |
| AVM | 0 | 0 | 1 |
| BPO | 0 | 0 | 0 |
| LCA and/or CU Score <=2.5 | 0 | 0 | 27 |
| Desk Review | 0 | 0 | 42 |
| Field Review | 0 | 0 | 0 |
| Second Full Appraisal | 0 | 0 | 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, clients, and rating agency requirements.

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

#### Final Event Grade

---

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

---

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#### Credit Event Grade

---

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

---

#### Valuation Event Grade

---

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

---

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Compliance Event Grade

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

---

#### 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

---

| | | |
|:---|:---|:---|
| **Overall Review Results** | **Overall Review Results** | **Overall Review Results** |
| **Overall Grade** | **Loan Count** | **% of Sample** |
| A | 49 | 70.00% |
| B | 21 | 30.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| Total | 70 | 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

---

| | | |
|:---|:---|:---|
| **Credit Grade Summary** | **Credit Grade Summary** | **Credit Grade Summary** |
| **Credit Grade** | **Loan Count** | **% of Sample** |
| A | 52 | 74.29% |
| B | 18 | 25.71% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| Total | 70 | 100.00% |

---

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#### Final Property Valuation Grade Results

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| | | |
|:---|:---|:---|
| **Property Grade Summary** | **Property Grade Summary** | **Property Grade Summary** |
| **Property Grade** | **Loan Count** | **% of Sample** |
| A | 69 | 98.57% |
| B | 1 | 1.43% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| Total | 70 | 100.00% |

---

#### Final Regulatory Compliance Grade Results

---

| | | |
|:---|:---|:---|
| **Compliance Grade Summary** | **Compliance Grade Summary** | **Compliance Grade Summary** |
| **Compliance Grade** | **Loan Count** | **% of Sample** |
| A | 68 | 97.14% |
| B | 2 | 2.86% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| Total | 70 | 100.00% |

---

#### ADDITIONAL LOAN SUMMARY DETAILS

#### Amortization Type

---

| | | | |
|:---|:---|:---|:---|
| **Amortization Type** | **Loan Count** | **% of Pool** | **Original Balance** |
| Fixed | 70 | 100.00% | $39378711.00 |
| **Total** | **70** | **100.00%** | **$39378711.00** |

---

#### Occupancy

---

| | | | |
|:---|:---|:---|:---|
| **Occupancy** | **Loan Count** | **% of Pool** | **Original Balance** |
| Primary Residence | 12 | 17.14% | $7700700.00 |
| Second Home | 3 | 4.29% | $1468549.00 |
| Investment | 55 | 78.57% | $30209462.00 |
| **Total** | **70** | **100.00%** | **$39378711.00** |

---

#### Loan Purpose

---

| | | | |
|:---|:---|:---|:---|
| **Loan Purpose** | **Loan Count** | **% of Pool** | **Original Balance** |
| Refinance | 35 | 50.00% | $20248300.00 |
| Purchase | 35 | 50.00% | $19130411.00 |
| **Total** | **70** | **100.00%** | **$39378711.00** |

---

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#### Lien Position

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| | | | |
|:---|:---|:---|:---|
| **Lien Position** | **Loan Count** | **% of Pool** | **Original Balance** |
| 1 | 70 | 100.00% | $39378711.00 |
| **Total** | **70** | **100.00%** | **$39378711.00** |

---

#### Original Term

---

| | | | |
|:---|:---|:---|:---|
| **Original Term** | **Loan Count** | **% of Pool** | **Original Balance** |
| 360 | 70 | 100.00% | $39378711.00 |
| **Total** | **70** | **100.00%** | **$39378711.00** |

---

#### DATA COMPARE RESULTS
Clarifii provided Clients with a copy of the Loan Level Data Compare Report which shows the differences between the data received by the sellers versus the data captured by Clarifii during the Loan review.

#### Summary of Data Compare Results

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| | | | |
|:---|:---|:---|:---|
| **Data Comparison Field** | **Loans With Discrepancy** | **Total Times Compared** | **Accuracy %** |
| All Other Payments | 0 | 1 | 100.00% |
| Amortization Term | 0 | 28 | 100.00% |
| Amount of Other Lien | 2 | 22 | 90.91% |
| Application Date | 4 | 28 | 85.71% |
| Balloon Flag | 0 | 28 | 100.00% |
| Borrower 1 Any Outstanding Judgments? | 0 | 27 | 100.00% |
| Borrower 1 Any part of down payment borrowed? | 0 | 26 | 100.00% |
| Borrower 1 Bankruptcy in past 7 years? | 0 | 33 | 100.00% |
| Borrower 1 Birthdate | 0 | 28 | 100.00% |
| Borrower 1 Citizen | 0 | 28 | 100.00% |
| Borrower 1 Country Name | 2 | 28 | 92.86% |
| Borrower 1 Credit Report Date | 0 | 6 | 100.00% |
| Borrower 1 Do you intend to occupy property as primary residence? | 0 | 27 | 100.00% |
| Borrower 1 Email or Internet | 0 | 10 | 100.00% |
| Borrower 1 Employer 1 Position | 0 | 12 | 100.00% |
| Borrower 1 Employer 1 Years in Line of Work | 0 | 12 | 100.00% |
| Borrower 1 Ethnicity - Cuban | 0 | 1 | 100.00% |
| Borrower 1 Ethnicity - Hispanic or Latino | 0 | 3 | 100.00% |
| Borrower 1 Ethnicity - I do not wish to provide this information | 0 | 28 | 100.00% |
| Borrower 1 Ethnicity - Mexican | 0 | 1 | 100.00% |

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| | | | |
|:---|:---|:---|:---|
| Borrower 1 Ethnicity - Not Hispanic or Latino | 0 | 20 | 100.00% |
| Borrower 1 Ethnicity - Other Hispanic or Latino | 0 | 1 | 100.00% |
| Borrower 1 Ethnicity - Puerto Rican | 0 | 1 | 100.00% |
| Borrower 1 Ethnicity Visual Observation or Surname | 0 | 24 | 100.00% |
| Borrower 1 First Name | 0 | 70 | 100.00% |
| Borrower 1 Foreclosure in past 7 years? | 0 | 27 | 100.00% |
| Borrower 1 FTHB | 0 | 6 | 100.00% |
| Borrower 1 Has there been ownership in a property in last 3 yrs | 0 | 4 | 100.00% |
| Borrower 1 How was title held? | 1 | 18 | 94.44% |
| Borrower 1 Last Name | 0 | 70 | 100.00% |
| Borrower 1 Marital Status | 0 | 23 | 100.00% |
| Borrower 1 Middle Name | 0 | 3 | 100.00% |
| Borrower 1 Name of Employer1 | 0 | 12 | 100.00% |
| Borrower 1 Originator Citizenship Designation | 0 | 35 | 100.00% |
| Borrower 1 Other Income | 0 | 1 | 100.00% |
| Borrower 1 Qualifying Income | 1 | 4 | 75.00% |
| Borrower 1 Race - Asian | 0 | 1 | 100.00% |
| Borrower 1 Race - Asian Indian | 0 | 1 | 100.00% |
| Borrower 1 Race - I do not wish to provide this information | 0 | 28 | 100.00% |
| Borrower 1 Race - White | 0 | 21 | 100.00% |
| Borrower 1 Rent or Own | 0 | 26 | 100.00% |
| Borrower 1 Self-Employment Flag | 0 | 12 | 100.00% |
| Borrower 1 Sex - Female | 0 | 2 | 100.00% |
| Borrower 1 Sex - I do not wish to provide this information | 0 | 28 | 100.00% |
| Borrower 1 Sex - Male | 0 | 23 | 100.00% |
| Borrower 1 Sex Visual Observation or Surname | 0 | 2 | 100.00% |
| Borrower 1 SSN | 0 | 64 | 100.00% |
| Borrower 1 Telephone Interview | 0 | 14 | 100.00% |
| Borrower 1 Years in Current Home | 0 | 24 | 100.00% |
| Borrower 2 Birthdate | 0 | 3 | 100.00% |
| Borrower 2 Citizen | 0 | 3 | 100.00% |
| Borrower 2 Do you intend to occupy property as primary residence? | 0 | 3 | 100.00% |
| Borrower 2 Email or Internet | 0 | 2 | 100.00% |
| Borrower 2 Ethnicity - Hispanic or Latino | 0 | 1 | 100.00% |
| Borrower 2 Ethnicity - I do not wish to provide this information | 0 | 3 | 100.00% |
| Borrower 2 Ethnicity - Not Hispanic or Latino | 0 | 2 | 100.00% |
| Borrower 2 Ethnicity Visual Observation or Surname | 0 | 3 | 100.00% |
| Borrower 2 First Name | 0 | 11 | 100.00% |

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| | | | |
|:---|:---|:---|:---|
| Borrower 2 Last Name | 0 | 11 | 100.00% |
| Borrower 2 Marital Status | 0 | 3 | 100.00% |
| Borrower 2 Middle Name | 0 | 1 | 100.00% |
| Borrower 2 Qualifying Income | 0 | 1 | 100.00% |
| Borrower 2 Race - I do not wish to provide this information | 0 | 3 | 100.00% |
| Borrower 2 Race - White | 0 | 1 | 100.00% |
| Borrower 2 Rent or Own | 0 | 3 | 100.00% |
| Borrower 2 Sex - Female | 0 | 1 | 100.00% |
| Borrower 2 Sex - I do not wish to provide this information | 0 | 3 | 100.00% |
| Borrower 2 Sex - Male | 0 | 2 | 100.00% |
| Borrower 2 SSN | 0 | 10 | 100.00% |
| Borrower 2 Years in Current Home | 0 | 3 | 100.00% |
| Calculated DSCR | 3 | 39 | 92.31% |
| Cash Disbursement Date | 0 | 7 | 100.00% |
| Cash out Include Debt Paid at Close | 0 | 1 | 100.00% |
| Date Last Rate Was Set | 1 | 1 | 0.00% |
| FHA Streamline/VA IRRL Indicator | 0 | 28 | 100.00% |
| Final Reviewed QM Status | 2 | 35 | 94.29% |
| First Payment Date | 0 | 42 | 100.00% |
| Initial Monthly P&I Or IO Payment | 0 | 7 | 100.00% |
| Interest Only Flag | 1 | 29 | 96.55% |
| Interest Only Term | 0 | 11 | 100.00% |
| Interest Rate | 0 | 70 | 100.00% |
| Investor Loan ID | 0 | 70 | 100.00% |
| Lien Position | 0 | 64 | 100.00% |
| Loan Amount | 0 | 64 | 100.00% |
| Loan ID | 0 | 70 | 100.00% |
| Loan Origination Company | 0 | 24 | 100.00% |
| Loan Origination Company NMLS | 0 | 7 | 100.00% |
| Loan Program | 0 | 42 | 100.00% |
| Loan Purpose | 0 | 70 | 100.00% |
| Loan Type | 6 | 28 | 78.57% |
| Maturity Date | 0 | 7 | 100.00% |
| MIN No | 0 | 6 | 100.00% |
| Negative Amortization Flag | 0 | 28 | 100.00% |
| Note Date | 0 | 6 | 100.00% |
| Note Type | 0 | 29 | 100.00% |
| Number of Borrowers | 0 | 28 | 100.00% |
| Number of Mortgaged Properties | 8 | 28 | 71.43% |
| Number of Units | 1 | 35 | 97.14% |
| Occupancy | 0 | 70 | 100.00% |
| Origination Foreclosure Flag | 0 | 6 | 100.00% |

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| | | | |
|:---|:---|:---|:---|
| Originator Doc Type | 0 | 1 | 100.00% |
| Originator QM Status | 0 | 6 | 100.00% |
| Payment Frequency | 0 | 6 | 100.00% |
| Prepayment Penalty Flag | 0 | 15 | 100.00% |
| Prepayment Penalty Total Term | 0 | 16 | 100.00% |
| Primary Appraised Property Value | 0 | 42 | 100.00% |
| Property Address | 0 | 70 | 100.00% |
| Property City | 0 | 70 | 100.00% |
| Property County | 0 | 34 | 100.00% |
| Property Rights | 0 | 23 | 100.00% |
| Property State | 0 | 70 | 100.00% |
| Property Type | 3 | 42 | 92.86% |
| Property Value | 3 | 28 | 89.29% |
| Property Zip Code | 0 | 70 | 100.00% |
| Qualifying Amortization Term | 0 | 1 | 100.00% |
| Qualifying CLTV | 0 | 36 | 100.00% |
| Qualifying FICO | 1 | 42 | 97.62% |
| Qualifying Housing Debt Income Ratio | 0 | 1 | 100.00% |
| Qualifying LTV | 0 | 42 | 100.00% |
| Qualifying Total Debt Income Ratio | 2 | 15 | 86.67% |
| Qualifying Total Housing Expense PITIA | 0 | 1 | 100.00% |
| Qualifying Total Reserves Number of Months | 0 | 7 | 100.00% |
| Refinance Type | 0 | 8 | 100.00% |
| Sales Price | 0 | 45 | 100.00% |
| Seller Loan ID | 0 | 70 | 100.00% |
| Subject Property Gross Rental income | 0 | 1 | 100.00% |
| Term | 0 | 41 | 100.00% |
| Total Qualified Assets Available For Reserves | 0 | 5 | 100.00% |
| Total Qualifying Income | 1 | 4 | 75.00% |
| ULI | 0 | 23 | 100.00% |
| Verified Doc Type | 0 | 35 | 100.00% |

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#### <br> CLARIFII THIRD PARTY REPORTS DELIVERED
Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

#### 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.*

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SPIRE 2026-1 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 24

## Exhibit 99.29

---

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | 665918 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX | 689673 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XXXX |
| XXXX | 724312 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Fair | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX |
| XXXX | 732273 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 53.85 | 53.85 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX | 741092 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 748090 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 754669 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  |  |
| XXXX | 764459 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0269 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0269 | 95.0 | 0.05 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XXXX |
| XXXX | 774601 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 44.58 | 44.58 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 774602 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 68.79 | 68.79 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XXXX |
| XXXX | 774898 | XXXX | 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 | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 775578 | XXXX | 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 | 0.0 | .0000 | XXXX | Moderate  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 775579 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 63.76 | 63.76 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | 778760 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | 778761 | 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 | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 780179 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 782695 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | XXXX |
| XXXX | 783882 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 61.63 | 61.63 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 785139 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 69.23 | 69.23 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | XXXX |
| XXXX | 785140 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XXXX |
| XXXX | 787567 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 788064 | XXXX | 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 | 0.0 | .0000 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 790835 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 793260 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 793262 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 78.4 | 78.4 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 793623 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 793624 | XXXX | 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 | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 796590 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 796591 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XXXX |
| XXXX | 798113 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 29.5 | 29.5 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | 803185 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| XXXX | 804532 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 805543 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 805544 | XXXX | 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 | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 805693 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 807093 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 53.6 | 53.6 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 807094 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 807096 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 55.51 | 55.51 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | XXXX |
| XXXX | 809575 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 809657 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 68.89 | 68.89 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 811762 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| XXXX | 812944 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 48.19 | 48.19 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 829110 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | 843926 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 51.72 | 51.72 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1.1 | XXXX |
| XXXX | 849590 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 50.07 | 50.07 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX | Not Eligible | 2.4 | XXXX |
| XXXX | 851085 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 50.0 | 50.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 851102 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | XXXX |
| XXXX | 851133 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 851821 | XXXX | 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 | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 854381 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | 854665 | XXXX | 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 | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 854725 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 856265 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 856319 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 856333 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 856606 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 67.57 | 67.57 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | 857326 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX |
| XXXX | 857693 | XXXX | 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 | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 857729 | XXXX | 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 | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 857872 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  |  |
| XXXX | 858952 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 859260 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 57.98 | 57.98 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | XXXX |
| XXXX | 859940 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 863757 | XXXX | 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 | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 863822 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 864435 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 864443 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 864446 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 867030 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 867411 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 43.64 | 43.64 | XXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.30

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| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Subordinate Lien 2 Type** | **Subordinate Lien 2 Max Draw Amount (HELOC)** | **Subordinate Lien 3 Type** | **Subordinate Lien 3 Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| XXXX | 665918 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.490% |  | XXXX | No |  | XXXX | XXXX | $6427.68 | $535.64 | $0.00 | $0.00 | $0.00 | $9728.61 | $49651.89 | N/A |  |  | $0.00 |  |  | 0.00% | 24.45% | 24.45% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 05/13/2025 | 05/13/2025 |  |  |  | 745 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | 0 |  |  |  |  | 1 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 12.8 | XXXX | 12.8 | No | 80.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 689673 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/05/2024 | 12 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  | $0.00 | 7.375% |  | XXXX | Yes | 18.000% | XXXX | XXXX | $3372.36 | $281.03 | $0.00 | $0.00 | $0.00 | $2551.24 |  | 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 | 0.902 | 0.9 |  | 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 | 05/31/2025 | 05/31/2025 |  |  |  | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 34.2 | No | 70.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 724312 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/01/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.500% |  | XXXX | No |  | XXXX | XXXX | $1083.12 | $90.26 | $0.00 | $0.00 | $0.00 | $5748.78 | $15501.85 | N/A |  |  | $0.00 |  |  | 0.00% | 46.97% | 46.97% | 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 |  |  |  | 84.28% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | Yes | 180 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - 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), SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/17/2025 | 06/17/2025 |  |  |  | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 31.5 | XXXX | 47.8 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 732273 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/18/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.750% |  | XXXX | Yes | 20.000% | XXXX | XXXX | $2628.00 | $219.00 | $0.00 | $0.00 | $0.00 | $6243.36 |  | 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% |  |  | Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.849 | 0.84 |  | 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 | 07/17/2025 | 07/17/2025 |  |  |  | 790 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 74.4 | XXXX | 74.4 | No | 53.85 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 741092 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/15/2025 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | XXXX | Yes | 20.000% | XXXX | XXXX | $1542.00 | $128.50 | $0.00 | $0.00 | $0.00 | $3536.25 |  | 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 | 1.414 | 1.414 |  | 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 | 07/17/2025 | 07/17/2025 |  |  |  | 753 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 33.9 | XXXX | 47.1 | No | 70.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 748090 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/01/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 9044.61 | 08/18/2025 | 6.610% |  |  | No | 7.261% |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | $821.04 | $68.42 | $1452.00 | $121.00 | $0.00 | $3052.13 | $15821.05 | N/A | XXXX | XX | $121.00 |  | Monthly | 0.00% | 52.83% | 52.83% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 1 | 1 | 1 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Third-Party Prepared (Unaudited) | 6 | CPA | N/A | N/A | 0 | Yes | 156 | No | 0 | NA | 0 | 0 | N/A | Yes | 11 | 11 | FNMA 1005 | No | 0 |  |  | Borrower - SESoleProprietor, Wage - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), CPA Letter Verified, YTD Profit And Loss Verified, 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024 \|\| Co Borrower - Wage, Wage - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2025, 2024 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 08/09/2025 | 08/09/2025 | 08/09/2025 |  |  | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 15.4 | XXXX | 15.4 | No | 85.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 754669 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/01/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 9987 | 08/11/2025 | 6.630% |  |  | No | 8.127% |  | 7.750% |  | XXXX | No |  | XXXX | XXXX | $1285.80 | $107.15 | $2544.00 | $212.00 | $0.00 | $3371.20 | $13008.77 | Yes | XXXX | XX | $212.00 |  | Monthly | 0.00% | 42.89% | 42.89% | No | Yes |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | Yes | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 75.02% | 0.00% | 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 - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024 \|\| Co Borrower - Military and Government Assistance, SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Award Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 07/19/2025 | 07/19/2025 | 07/28/2025 |  |  | 662 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 26.1 | XXXX | 26.1 | No | 80.0 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 764459 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/15/2025 | 11 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 7087.56 | 08/18/2025 | 6.610% |  |  | No | 8.885% |  | 8.500% |  | XXXX | No |  | XXXX | XXXX | $1971.12 | $164.26 | $0.00 | $0.00 | $0.00 | $2335.70 | $5617.19 | N/A |  |  | $0.00 |  |  | 0.00% | 38.72% | 38.72% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 300 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 08/12/2025 | 08/12/2025 |  |  |  | 645 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | N/A |  | N/A | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 7.2 | XXXX | 7.2 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 774601 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/18/2025 | 4 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.990% |  | XXXX | No |  | XXXX | XXXX | $1440.00 | $120.00 | $0.00 | $0.00 | $0.00 | $4292.23 |  | 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 | 1.048 | 1.048 |  | 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 | 08/18/2025 | 08/18/2025 | 09/09/2025 |  |  | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 24.9 | No | 44.58 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX |  |  |  |
| XXXX | 774602 | XXXX | 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 | Yes | 20.000% | XXXX | XXXX | $1257.00 | $104.75 | $0.00 | $0.00 | $0.00 | $2127.06 |  | 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 | 1.058 | 1.05 |  | 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 | 08/25/2025 | 08/25/2025 | 08/25/2025 |  |  | 718 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 15.0 | No | 68.79 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX | 774898 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/18/2025 | 4 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | $2333.04 | $194.42 | $0.00 | $0.00 | $0.00 | $4574.65 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.004 | 1.0 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 08/18/2025 | 08/18/2025 |  |  |  | 755 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 84.5 | XXXX | 84.5 | No | 80.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 775578 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/11/2024 | 3 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | $4025.04 | $335.42 | $0.00 | $0.00 | $0.00 | $7298.90 | $15161.13 | N/A |  |  | $0.00 |  |  | 0.00% | 49.37% | 49.37% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 100.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 108 | Yes | 204 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/18/2025 | 08/18/2025 | 08/20/2025 |  |  | 808 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 74.1 | XXXX | 74.1 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 775579 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/18/2025 | 4 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | $1514.04 | $126.17 | $0.00 | $0.00 | $0.00 | $4180.60 |  | 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 | 1.052 | 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 | 08/01/2025 | 08/01/2025 |  |  |  | 685 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 63.0 | No | 63.76 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 778760 | XXXX | 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 | $2720.40 | $226.70 | $1980.00 | $165.00 | $0.00 | $2699.52 |  | N/A | XXXX | XX | $165.00 |  | 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 | 1.074 | 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 | 09/04/2025 | 09/04/2025 |  |  |  | 791 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 47.6 | XXXX | 47.6 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 778761 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/18/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | $1158.96 | $96.58 | $0.00 | $0.00 | $0.00 | $6253.91 |  | 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 | 1.135 | 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 | 07/21/2025 | 07/21/2025 | 07/21/2025 |  |  | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 12.4 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 780179 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/18/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.625% |  | XXXX | Yes | 20.000% | XXXX | XXXX | $1151.04 | $95.92 | $0.00 | $0.00 | $0.00 | $1399.90 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.572 | 1.57 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 08/28/2025 | 08/28/2025 |  |  |  | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 11.2 | XXXX | 11.2 | No | 70.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 782695 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/18/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.750% |  | XXXX | Yes | 20.000% | XXXX | XXXX | $1827.48 | $152.29 | $0.00 | $0.00 | $0.00 | $1312.08 |  | 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 | 1.105 | 1.1 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 09/08/2025 | 09/08/2025 |  |  |  | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 14.8 | XXXX | 14.8 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 783882 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/18/2025 | 3 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 8685 | 09/08/2025 | 6.540% |  |  | No | 6.946% |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | $2785.92 | $232.16 | $0.00 | $0.00 | $0.00 | $4331.96 | $9988.91 | N/A |  |  | $0.00 |  |  | 0.00% | 30.37% | 30.37% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 192 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/08/2025 | 08/08/2025 |  |  |  | 696 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 17.1 | No | 61.63 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 785139 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/11/2024 | 3 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 12290 | 09/15/2025 | 6.320% | Manual Underwriting |  | No | 7.080% |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | $1478.04 | $123.17 | $0.00 | $0.00 | $0.00 | $3696.62 | $10666.38 | N/A |  |  | $0.00 |  |  | 0.00% | 33.05% | 33.05% | 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 |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/02/2025 | 09/02/2025 |  |  |  | 672 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 16.7 | XXXX | 16.7 | No | 69.23 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 785140 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/11/2024 | 3 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 18400 | 09/08/2025 | 6.540% |  |  | No | 7.110% |  | 6.990% |  | XXXX | No |  | XXXX | XXXX | $7704.48 | $642.04 | $2004.00 | $167.00 | $0.00 | $13601.38 | $34340.96 | N/A | XXXX | XX | $167.00 | 11/01/2025 | Monthly | 0.00% | 41.84% | 41.84% | 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 | 1 | 12 | Yes | Yes | 1 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), 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, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/26/2025 | 08/26/2025 | 08/26/2025 |  |  | 803 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 8.3 | XXXX | 8.3 | No | 85.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 787567 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/18/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | $2090.04 | $174.17 | $0.00 | $0.00 | $0.00 | $3493.69 |  | 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 | 1.03 | 1.03 |  | 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 | 08/31/2025 | 08/31/2025 |  |  |  | 781 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 145.9 | XXXX | 145.9 | No | 70.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 788064 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/18/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 7.250% |  | XXXX | Yes | 20.000% | XXXX | XXXX | $1905.00 | $158.75 | $0.00 | $0.00 | $0.00 | $3535.49 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  | Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.23 | 1.21 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 08/01/2025 | 08/01/2025 |  |  |  | 730 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 3.2 | XXXX | 3.2 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 790835 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/18/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.625% |  | XXXX | No |  | XXXX | XXXX | $1131.96 | $94.33 | $0.00 | $0.00 | $0.00 | $1491.11 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.274 | 1.27 |  | 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 | 08/06/2025 | 08/06/2025 |  |  |  | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 54.7 | No | 70.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 793260 | XXXX | 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 | 12595 | 09/15/2025 | 6.320% |  |  | No | 7.219% |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | $1296.00 | $108.00 | $924.00 | $77.00 | $0.00 | $3160.24 | $63192.61 | N/A | XXXX | XX | $77.00 |  | Monthly | 0.00% | 31.47% | 31.47% | No | Yes |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 81.47% |  | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 24 | NA | 0 | 0 | N/A | Yes | 30 | 30 | Work Number | No | 0 |  | N/A | Borrower \|\| Co Borrower - Wage, SESCorp, SESCorp - CPA Letter Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/29/2025 | 08/29/2025 | 07/21/2025 |  |  | 680 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 91.0 | XXXX | 91.0 | No | 80.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 793262 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/18/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  | Manual Underwriting | No |  |  | 6.490% |  | XXXX | No |  | XXXX | XXXX | $582.00 | $48.50 | $0.00 | $0.00 | $0.00 | $3793.45 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.002 | 1.0 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 09/04/2025 | 09/04/2025 |  |  |  | 766 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 91.1 | XXXX | 91.1 | No | 78.4 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 793623 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/18/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | $1011.84 | $84.32 | $0.00 | $0.00 | $0.00 | $4473.42 |  | 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 | 1.117 | 1.11 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 07/29/2025 | 07/29/2025 |  |  |  | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 48.0 | No | 65.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 793624 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/18/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.875% |  | XXXX | Yes | 20.000% | XXXX | XXXX | $2006.04 | $167.17 | $0.00 | $0.00 | $0.00 | $2772.44 |  | 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 | 1.371 | 1.37 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 09/12/2025 | 09/12/2025 |  |  |  | 804 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | Permanent Resident Card | N/A | XXXX | XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 6.0 | XXXX | 6.0 | No | 80.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 796590 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/11/2024 | 3 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 3307.5 | 09/22/2025 | 6.220% |  |  | No | 6.803% |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | $2717.16 | $226.43 | $0.00 | $0.00 | $0.00 | $6538.30 | $80552.84 | N/A |  |  | $0.00 |  |  | 0.00% | 16.43% | 16.43% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower | Borrower - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 09/02/2025 | 09/02/2025 | 09/02/2025 |  |  | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  |  |  |  | XXXX |  |  |  | I-551 Permanent Resident Card  |  | XXXX | Permanent Resident Alien | Permanent Non-US Citizen |  |  |  |  | XXXX |  |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 56.3 | XXXX | 137.4 | No | 70.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 796591 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/11/2024 | 3 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.990% |  | XXXX | No |  | XXXX | XXXX | $2414.04 | $201.17 | $0.00 | $0.00 | $0.00 | $3706.48 | $35527.15 | N/A |  |  | $0.00 |  |  | 0.00% | 21.52% | 21.52% | 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 | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/11/2025 | 09/11/2025 |  |  |  | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 27.0 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 798113 | XXXX | 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 | 12720 | 09/15/2025 | 6.320% |  |  | No | 6.829% |  | 6.490% |  | XXXX | No |  | XXXX | XXXX | $336.96 | $28.08 | $7320.00 | $610.00 | $0.00 | $5473.86 | $1992295.16 | Yes | XXXX | XX | $610.00 | 10/01/2025 | Monthly | 0.00% | 0.45% | 0.45% | Yes |  |  |  |  |  |  |  | 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 |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 08/06/2025 | 08/06/2025 |  |  |  | 810 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 135.5 | XXXX | 202.0 | No | 29.5 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 803185 | XXXX | 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 | Yes | 20.000% | XXXX | XXXX | $911.04 | $75.92 | $300.00 | $25.00 | $0.00 | $4082.37 |  | N/A | XXXX | XX | $25.00 |  | 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 | 1.036 | 1.03 |  | 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 | 09/08/2025 | 09/08/2025 |  |  |  | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 14.5 | No | 75.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 804532 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/11/2024 | 3 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 14195 | 09/22/2025 | 6.220% |  |  | No | 7.223% |  | 6.990% |  | XXXX | No |  | XXXX | XXXX | $1779.12 | $148.26 | $0.00 | $0.00 | $0.00 | $5616.86 | $10706.14 | N/A |  |  | $0.00 |  |  | 0.00% | 43.97% | 43.97% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 09/10/2025 | 09/10/2025 |  |  |  | 709 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 8.6 | XXXX | 8.6 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 805543 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/18/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | $2943.00 | $245.25 | $0.00 | $0.00 | $0.00 | $3170.35 |  | 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 | 1.29 | 1.28 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 09/11/2025 | 09/11/2025 |  |  |  | 733 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 37.9 | XXXX | 37.9 | No | 80.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 805544 | XXXX | 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 | $3003.96 | $250.33 | $0.00 | $0.00 | $0.00 | $7561.91 |  | 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% |  |  | Proceeds from Sale |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.27 | 1.26 |  | 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 | 08/26/2025 | 08/26/2025 |  |  |  | 804 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 21.0 | XXXX | 21.0 | No | 80.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 805693 | XXXX | 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 | $2874.96 | $239.58 | $0.00 | $0.00 | $0.00 | $5983.56 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | No |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.777 | 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 | 09/08/2025 | 09/08/2025 |  |  |  | 746 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 7.9 | No | 65.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 807093 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/18/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.750% |  | XXXX | Yes | 20.000% | XXXX | XXXX | $3606.00 | $300.50 | $0.00 | $0.00 | $0.00 | $5825.33 |  | 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 | 1.075 | 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 | 08/06/2025 | 08/06/2025 |  |  |  | 798 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 10.1 | No | 53.6 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 807094 | XXXX | 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 | Yes | 20.000% | XXXX | XXXX | $1331.40 | $110.95 | $1008.00 | $84.00 | $0.00 | $2209.38 |  | N/A | XXXX | XX | $84.00 |  | 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 | 1.046 | 1.04 |  | 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 | 08/27/2025 | 08/27/2025 |  |  |  | 714 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A |  |  |  | XXXX |  |  |  | I-551 Permanent Resident Card  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 15.0 | XXXX | 15.0 | No | 80.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 807096 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/18/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | $3766.20 | $313.85 | $605.04 | $50.42 | $0.00 | $3737.84 |  | N/A | XXXX | XX | $50.42 |  | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.418 | 1.41 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | 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 | 09/18/2025 | 09/18/2025 |  |  |  | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 107.2 | No | 55.51 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 809575 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/15/2025 | 9 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.625% |  | XXXX | Yes | 20.000% | XXXX | XXXX | $1050.00 | $87.50 | $279.96 | $23.33 | $0.00 | $3289.11 |  | N/A | XXXX | XX | $23.33 |  | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.399 | 1.399 |  | 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 | 09/11/2025 | 09/11/2025 |  |  |  | 748 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 15.8 | XXXX | 15.8 | No | 80.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 809657 | XXXX | 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 | $1028.16 | $85.68 | $0.00 | $0.00 | $0.00 | $11580.03 |  | 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 | 1.166 | 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 | 07/29/2025 | 07/29/2025 | 07/29/2025 |  |  | 719 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 45.3 | XXXX | 45.3 | No | 68.89 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 811762 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/11/2024 | 3 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 5115 | 09/29/2025 | 6.310% |  |  | No | 7.035% |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | $1581.00 | $131.75 | $0.00 | $0.00 | $0.00 | $3316.21 | $3122.67 | N/A |  |  | $0.00 |  |  | 0.00% | 54.12% | 54.12% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 1 | 0 |  |  | 3 | 2 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 14 | 14 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Retirement, Retirement - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2024","2025"] - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/08/2025 | 07/08/2025 |  |  |  | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 5.9 | No | 60.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 812944 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/18/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.875% |  | XXXX | Yes | 20.000% | XXXX | XXXX | $2036.16 | $169.68 | $0.00 | $0.00 | $0.00 | $8665.51 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  | Stocks/Bonds |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.142 | 1.14 |  | 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 | 07/29/2025 | 07/29/2025 | 07/29/2025 |  |  | 719 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 51.0 | XXXX | 51.1 | No | 48.19 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 829110 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/24/2025 | 5 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.990% |  | XXXX | Yes | 20.000% | XXXX | XXXX | $510.96 | $42.58 | $4260.00 | $355.00 | $0.00 | $3272.02 |  | Yes | XXXX | XX | $355.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 0.825 | 0.82 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| 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 | 07/23/2025 | 07/23/2025 | 07/23/2025 |  |  | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 101.7 | No | 70.0 | Yes | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | 843926 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | $1789.32 | $149.11 | $0.00 | $0.00 | $0.00 | $2418.18 |  | 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 | 1.344 | 1.24 |  | 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 | 07/13/2025 | 07/13/2025 |  |  |  | 727 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 85.4 | No | 51.72 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 849590 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/25/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.125% |  | XXXX | No |  | XXXX | XXXX | $4554.96 | $379.58 | $0.00 | $0.00 | $0.00 | $2557.67 |  | 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 | 1.032 | 1.04 |  | 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 | 09/05/2025 | 09/05/2025 |  |  |  | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 82.4 | No | 50.07 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 851085 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.490% |  | XXXX | No |  | XXXX | XXXX | $9423.60 | $785.30 | $0.00 | $0.00 | $0.00 | $5150.63 |  | 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 | 1.378 | 1.37 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 09/09/2025 | 09/09/2025 |  |  |  | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 0.0 | XXXX | 7.4 | No | 50.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 851102 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  | $0.00 | 6.490% |  | XXXX | No |  | XXXX | XXXX | $3547.92 | $295.66 | $0.00 | $0.00 | $0.00 | $3090.20 |  | 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 | 1.877 | 1.8 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 09/09/2025 | 09/09/2025 |  |  |  | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 0.0 | XXXX | 30.9 | No | 60.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 851133 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/30/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | $1443.00 | $120.25 | $0.00 | $0.00 | $0.00 | $4340.72 |  | 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 | 1.014 | 1.01 |  | 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 | 08/12/2025 | 08/12/2025 |  |  |  | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 79.3 | XXXX | 79.3 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 851821 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | $4876.92 | $406.41 | $0.00 | $0.00 | $0.00 | $6071.78 |  | 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 | 1.211 | 1.21 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| 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 | 09/11/2025 | 09/11/2025 | 09/11/2025 |  |  | 725 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 129.1 | XXXX | 129.1 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX | 854381 | XXXX | 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 | 10/27/2025 | 6.160% | Manual Underwriting |  | No | 7.031% |  | 6.990% |  | XXXX | No |  | XXXX | XXXX | $5473.80 | $456.15 | $0.00 | $0.00 | $0.00 | $8153.55 | $147201.09 | N/A |  |  | $0.00 |  |  | 0.00% | 6.26% | 6.26% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 2 | 12 | No | N/A | 0 | 0 | 95.91% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 348 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Personal Bank Statements Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 10/09/2025 | 10/09/2025 | 10/09/2025 |  |  | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 10.9 | XXXX | 10.9 | No | 85.0 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 854665 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | $2909.04 | $242.42 | $0.00 | $0.00 | $0.00 | $4346.22 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.588 | 1.58 |  | 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 | 07/30/2025 | 07/30/2025 |  |  |  | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 153.1 | XXXX | 153.1 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 854725 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.625% |  | XXXX | No |  | XXXX | XXXX | $3668.04 | $305.67 | $0.00 | $0.00 | $0.00 | $7699.88 | $77509.76 | N/A |  |  | $0.00 |  |  | 0.00% | 48.34% | 48.34% | Yes |  |  |  |  |  |  |  | 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 |  |  |  | 102.07% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 180 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Primary Residence Rent Income, 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, Personal Bank Statements Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/29/2025 | 09/29/2025 |  |  |  | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 20.3 | XXXX | 20.3 | No | 60.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 856265 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.990% |  | XXXX | No |  | XXXX | XXXX | $1250.40 | $104.20 | $5940.00 | $495.00 | $0.00 | $3796.85 | $62989.10 | N/A | XXXX | XX | $495.00 | 12/01/2025 | Monthly | 0.00% | 14.37% | 14.37% | Yes |  |  |  |  |  |  |  | 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% | 99.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO - Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/17/2025 | 07/17/2025 |  |  |  | 756 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 20.4 | XXXX | 20.4 | No | 80.0 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 856319 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 06/25/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | $5507.04 | $458.92 | $0.00 | $0.00 | $0.00 | $4592.62 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.568 | 1.56 |  | 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 | 07/30/2025 | 07/30/2025 |  |  |  | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 168.8 | XXXX | 168.8 | No | 70.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 856333 | XXXX | 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 | 10/20/2025 | 6.240% | Manual Underwriting |  | No | 6.784% |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | $1886.04 | $157.17 | $0.00 | $0.00 | $0.00 | $6984.32 | $43022.88 | N/A |  |  | $0.00 |  |  | 0.00% | 24.79% | 24.79% | 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) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 10/24/2025 | 10/24/2025 |  |  |  | 744 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  |  |  |  | XXXX |  |  |  | I-551 Permanent Resident Card  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 3.7 | XXXX | 3.7 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 856606 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/25/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | $1899.96 | $158.33 | $0.00 | $0.00 | $0.00 | $2407.52 |  | 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 | 1.246 | 1.2 |  | 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 | 10/05/2025 | 10/05/2025 | 10/05/2025 |  |  | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 100.7 | No | 67.57 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 857326 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.990% |  | XXXX | No |  | XXXX | XXXX | $1787.04 | $148.92 | $0.00 | $0.00 | $0.00 | $5645.49 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.151 | 1.14 |  | 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 | 10/20/2025 | 10/20/2025 |  |  |  | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 12.3 | XXXX | 12.3 | No | 80.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 857693 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/25/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  | $0.00 | 6.990% |  | XXXX | No |  | XXXX | XXXX | $3063.96 | $255.33 | $0.00 | $0.00 | $0.00 | $1955.17 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.483 | 1.48 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 09/29/2025 | 09/29/2025 |  |  |  | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 48.0 | XXXX | 48.0 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 857729 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/25/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.990% |  | XXXX | No |  | XXXX | XXXX | $3231.96 | $269.33 | $0.00 | $0.00 | $0.00 | $2070.11 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Unknown |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.401 | 1.4 |  | 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 | 09/29/2025 | 09/29/2025 |  |  |  | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 42.4 | XXXX | 42.4 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 857872 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.375% |  | XXXX | No |  | XXXX | XXXX | $2604.96 | $217.08 | $0.00 | $0.00 | $0.00 | $4768.00 | $68437.12 | N/A |  |  | $0.00 |  |  | 0.00% | 17.80% | 17.80% | 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 | 216 | 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 | XX | XXXX | XXXX | 09/15/2025 | 09/15/2025 |  |  |  | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 12.8 | XXXX | 12.8 | No | 80.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 858952 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.990% |  | XXXX | No |  | XXXX | XXXX | $930.24 | $77.52 | $5940.00 | $495.00 | $495.00 | $4102.46 | $118873.92 | N/A | XXXX | XX | $495.00 |  | Monthly | 0.00% | 33.42% | 33.42% | 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 |  |  |  | 104.36% | 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, Primary Residence Rent Income, 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) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/23/2025 | 07/23/2025 |  |  |  | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 3.9 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 859260 | XXXX | 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 | 10/27/2025 | 6.160% |  |  | No | 6.524% |  | 6.490% |  | XXXX | No |  | XXXX | XXXX | $2667.96 | $222.33 | $0.00 | $0.00 | $0.00 | $5432.33 | $11716.62 | N/A |  |  | $0.00 |  |  | 0.00% | 45.95% | 45.95% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 2 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 11/26/2025 | 11/26/2025 |  |  |  | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 24.7 | XXXX | 24.7 | No | 57.98 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 859940 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.250% |  | XXXX | No |  | XXXX | XXXX | $4645.68 | $387.14 | $0.00 | $0.00 | $0.00 | $4574.01 |  | 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 | 1.675 | 2.25 |  | 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 | 07/30/2025 | 07/30/2025 |  |  |  | 792 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 0.0 | XXXX | 157.4 | No | 60.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 863757 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | $5740.44 | $478.37 | $0.00 | $0.00 | $0.00 | $5537.13 |  | 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 | 1.271 | 1.26 |  | 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 | 09/29/2025 | 09/29/2025 |  |  |  | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 35.7 | XXXX | 35.7 | No | 75.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 863822 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/25/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  | $0.00 | 6.990% |  | XXXX | No |  | XXXX | XXXX | $5692.32 | $474.36 | $0.00 | $0.00 | $0.00 | $3971.55 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 2.09 | 1.84 |  | 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 | 10/17/2025 | 10/17/2025 |  |  |  | 725 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 22.9 | No | 70.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 864435 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  | $0.00 |  |  | XXXX | No |  | XXXX | XXXX | $2154.60 | $179.55 | $0.00 | $0.00 | $0.00 | $827.55 | $173126.08 | N/A |  |  | $0.00 |  |  | 0.00% | 26.13% | 26.13% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 2 | 2 | NA |  | No | No | 0 | No | Yes | N/A | 1 | 1 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Primary Residence Rent Income, 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 - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065, 1120S, 1120, K1), CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Personal Bank Statements Verified, Business Bank Statements Verified, 1040 Schedule E Verified - ["2024","2023","2025"] - 2024, 2023, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065, 1120S, 1120, K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2023","2025"] - 2024, 2023, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 10/28/2025 | 10/28/2025 |  |  |  | 766 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 20743.6 | No | 80.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 864443 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.125% |  | XXXX | No |  | XXXX | XXXX | $1483.44 | $123.62 | $0.00 | $0.00 | $0.00 | $5049.61 | $179583.24 | N/A |  |  | $0.00 |  |  | 0.00% | 25.26% | 25.26% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 51.00% |  |  | Third-Party Prepared (Unaudited) | 8 | CPA |  |  |  | Yes | 168 | 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), Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065, 1120, K1), CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065, 1120, K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 10/28/2025 | 10/28/2025 |  |  |  | 766 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.0 | XXXX | 3432.1 | No | 80.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 864446 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | $2509.68 | $209.14 | $0.00 | $0.00 | $0.00 | $4850.33 |  | 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 | 1.567 | 1.56 |  | 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 | 07/30/2025 | 07/30/2025 |  |  |  | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 160.4 | XXXX | 160.4 | No | 70.0 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 867030 | XXXX | 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 | 10/27/2025 | 6.160% |  |  | No | 6.939% |  | 6.875% |  | XXXX | No |  | XXXX | XXXX | $2280.00 | $190.00 | $0.00 | $0.00 | $0.00 | $4600.21 | $146665.47 | N/A |  |  | $0.00 |  |  | 0.00% | 6.11% | 6.11% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 2 | 12 | No |  |  |  | 100.00% | 51.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 216 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Personal Bank Statements Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 10/24/2025 | 10/24/2025 |  |  |  | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 6.2 | XXXX | 6.2 | No | 80.0 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 867411 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/01/2025 | 4 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.750% |  | XXXX | No |  | XXXX | XXXX | $4216.68 | $351.39 | $0.00 | $0.00 | $0.00 | $4572.79 | $11535.26 | N/A |  |  | $0.00 |  |  | 0.00% | 45.49% | 45.49% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 2 | 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 - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Subject Property Net Rental Income(Loss) if NOO - Personal Bank Statements Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/07/2025 | 08/07/2025 |  |  |  | 813 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 94.8 | XXXX | 94.8 | No | 43.64 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |

---

## Exhibit 99.31

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX | 665918 | XXXX | XXXX<br> A |
| XXXX | 689673 | XXXX | XXXX<br> C<br> A<br> B |
| XXXX | 724312 | XXXX | XXXX<br> D<br> A<br> B |
| XXXX | 732273 | XXXX | XXXX<br> A |
| XXXX | 741092 | XXXX | XXXX<br> C<br> A<br> B |
| XXXX | 748090 | XXXX | XXXX<br> C<br> A<br> B |
| XXXX | 754669 | XXXX | XXXX<br> C<br> A<br> B |
| XXXX | 764459 | XXXX | XXXX<br> A |
| XXXX | 774601 | XXXX | XXXX<br> A |
| XXXX | 774602 | XXXX | XXXX<br> A |
| XXXX | 774898 | XXXX | XXXX<br> A |
| XXXX | 775578 | XXXX | XXXX<br> D<br> A |
| XXXX | 775579 | XXXX | XXXX<br> A |
| XXXX | 778760 | XXXX | XXXX<br> C<br> A |
| XXXX | 778761 | XXXX | XXXX<br> C<br> A<br> B |
| XXXX | 780179 | XXXX | XXXX<br> C<br> A |
| XXXX | 782695 | XXXX | XXXX<br> C<br> A |
| XXXX | 783882 | XXXX | XXXX<br> C<br> A |
| XXXX | 785139 | XXXX | XXXX<br> A<br> C |
| XXXX | 785140 | XXXX | XXXX<br> C<br> A<br> B |
| XXXX | 787567 | XXXX | XXXX<br> C<br> A |
| XXXX | 788064 | XXXX | XXXX<br> D<br> A |
| XXXX | 790835 | XXXX | XXXX<br> D<br> A<br> B |
| XXXX | 793260 | XXXX | XXXX<br> D<br> C<br> A<br> B |
| XXXX | 793262 | XXXX | XXXX<br> C<br> A |
| XXXX | 793623 | XXXX | XXXX<br> A |
| XXXX | 793624 | XXXX | XXXX<br> A |
| XXXX | 796590 | XXXX | XXXX<br> A |
| XXXX | 796591 | XXXX | XXXX<br> D<br> A |
| XXXX | 798113 | XXXX | XXXX<br> D<br> A |
| XXXX | 803185 | XXXX | XXXX<br> A |
| XXXX | 804532 | XXXX | XXXX<br> A<br> B |
| XXXX | 805543 | XXXX | XXXX<br> A |
| XXXX | 805544 | XXXX | XXXX<br> D<br> A |
| XXXX | 805693 | XXXX | XXXX<br> A |
| XXXX | 807093 | XXXX | XXXX<br> A |
| XXXX | 807094 | XXXX | XXXX<br> A |
| XXXX | 807096 | XXXX | XXXX<br> C<br> A<br> B |
| XXXX | 809575 | XXXX | XXXX<br> A |
| XXXX | 809657 | XXXX | XXXX<br> C<br> A<br> B |
| XXXX | 811762 | XXXX | XXXX<br> D<br> A |
| XXXX | 812944 | XXXX | XXXX<br> C<br> A |
| XXXX | 829110 | XXXX | XXXX<br> A |
| XXXX | 843926 | XXXX | XXXX<br> D<br> A<br> B |
| XXXX | 849590 | XXXX | XXXX<br> D<br> A |
| XXXX | 851085 | XXXX | XXXX<br> C<br> A |
| XXXX | 851102 | XXXX | XXXX<br> A |
| XXXX | 851133 | XXXX | XXXX<br> C<br> A |
| XXXX | 851821 | XXXX | XXXX<br> A |
| XXXX | 854381 | XXXX | XXXX<br> C<br> A |
| XXXX | 854665 | XXXX | XXXX<br> C<br> A<br> B |
| XXXX | 854725 | XXXX | XXXX<br> D<br> A |
| XXXX | 856265 | XXXX | XXXX<br> D<br> A |
| XXXX | 856319 | XXXX | XXXX<br> D<br> A<br> B |
| XXXX | 856333 | XXXX | XXXX<br> D<br> A |
| XXXX | 856606 | XXXX | XXXX<br> B<br> A |
| XXXX | 857326 | XXXX | XXXX<br> C<br> A |
| XXXX | 857693 | XXXX | XXXX<br> B<br> A |
| XXXX | 857729 | XXXX | XXXX<br> D<br> A<br> B |
| XXXX | 857872 | XXXX | XXXX<br> C<br> A<br> B |
| XXXX | 858952 | XXXX | XXXX<br> A |
| XXXX | 859260 | XXXX | XXXX<br> C<br> A<br> B |
| XXXX | 859940 | XXXX | XXXX<br> A |
| XXXX | 863757 | XXXX | XXXX<br> A |
| XXXX | 863822 | XXXX | XXXX<br> A |
| XXXX | 864435 | XXXX | XXXX<br> C<br> A |
| XXXX | 864443 | XXXX | XXXX<br> A |
| XXXX | 864446 | XXXX | XXXX<br> C<br> A<br> B |
| XXXX | 867030 | XXXX | XXXX<br> C<br> A |
| XXXX | 867411 | XXXX | XXXX<br> A |

---

## Exhibit 99.32

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXX | 665918 | XXXX<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 689673 | XXXX<br> C<br> B<br> A | Closed | FCRE1199 | 2025-07-23 13:00 | 2025-08-12 16:46 | Waived | 2 - Non-Material<br> C<br> B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Originator exception granted to allow loan amount. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-08/12/2025 <br> Ready for Review-Document Uploaded. Please find the exception for exceeding the loan amount. - Seller-08/08/2025 <br> Counter-XXXX is < the loan amount. Finding remains. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. • LTV 70% (below guideline requirement)<br> • Purchased XXXX+ repairs of XXXX+ closing cost XXXX = XXXX <br>the low LTV with the above repairs was approved please clear findings. - Seller-08/04/2025 <br> Open-Audited Loan Amount is greater than the Guideline Maximum Loan Amount of XXXX Based on ownership of less than 6 months. If the property is vacant, the loan amount will be limited to the purchase price plus documented improvements and new loan fees.<br> - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. Please find the exception for exceeding the loan amount. - Seller-08/08/2025 <br> Ready for Review-Document Uploaded. • LTV 70% (below guideline requirement)<br> • Purchased XXXX+ repairs o XXXX closing cost XXXX = XXXX <br>the low LTV with the above repairs was approved please clear findings. - Seller-08/04/2025<br>| Waived-Originator exception granted to allow loan amount. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-08/12/2025<br>| Months Reserves exceed minimum required - 34.17 months reserves exceed required 6 by 28.17 months<br>LTV is less than guideline maximum - LTV 70% is lower than maximum 75% | LTV 70%<br> FICO: 767 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 4921267 |
| XXXX | 689673 | XXXX<br> C<br> B<br> A | Closed | FCRE0113 | 2025-07-23 12:39 | 2025-08-01 14:40 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Received confirmation stove installed. - Due Diligence Vendor-08/01/2025 <br>Ready for Review-Document Uploaded. stove is not necessary for guides but a stove was installed. please clear. - Seller-07/31/2025 <br>Open-Kitchen is missing a stove - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. stove is not necessary for guides but a stove was installed. please clear. - Seller-07/31/2025<br>| Resolved-Received confirmation stove installed. - Due Diligence Vendor-08/01/2025<br>| Months Reserves exceed minimum required - 34.17 months reserves exceed required 6 by 28.17 months<br>LTV is less than guideline maximum - LTV 70% is lower than maximum 75% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4920901 |
| XXXX | 724312 | XXXX<br> D<br> B<br> A | Closed | FCRE7347 | 2025-08-18 15:22 | 2025-08-22 10:20 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Received lease and LOE on month to month. - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. Uploaded 2nd lease for this 2-unit property at XXXX. This is the lease for unit XX with a monthly rent of XXXX. The other lease in file for this property shows monthly lease of XXXX total XXXX. - Seller-08/21/2025 <br> Counter-Received LOE of month to month lease-please provide copy of lease for property XXXX supporting rental income considered-must meet guidelines XXXX. - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. The borrower provided a LOE stating that his tenants automatically go into a month-to-month agreement unless there are occupant or rent changes. Uploaded - Seller-08/19/2025 <br> Open-Missing all leases for property XX. - Due Diligence Vendor-08/18/2025 | Ready for Review-Document Uploaded. Uploaded 2nd lease for this 2-unit property at XXXX. This is the lease for unit XX with a monthly rent of XXXX. The other lease in file for this property shows monthly lease of XXXX total XXXX. - Seller-08/21/2025 <br> Ready for Review-Document Uploaded. The borrower provided a LOE stating that his tenants automatically go into a month-to-month agreement unless there are occupant or rent changes. Uploaded - Seller-08/19/2025<br>| Resolved-Received lease and LOE on month to month. - Due Diligence Vendor-08/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 779 is more than 20 points higher than the guideline min of 660.<br>Qualifying DTI below maximum allowed - Qualifying DTI 45.85 is less than the guideline max of 50. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5218392 |
| XXXX | 724312 | XXXX<br> D<br> B<br> A | Closed | FPRO1253 | 2025-08-18 15:18 | 2025-08-22 10:17 | Waived | 2 - Non-Material<br> D<br> B | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Waived-Originator provided a waiver for secondary valuation XXXX Short form desk review by licensed appraiser, applied to non material finding with comp factors - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. Uploaded PC Exception regarding desk review - Seller-08/21/2025 <br> Counter-Received Appraisal Review Form 2006-please provide review product meeting requirements of guidelines XXXX - Due Diligence Vendor-08/20/2025 <br> Counter-Short Form Desk Review provided is not from an approved vendor. Finding remains. - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Field Review uploaded - Due Diligence Vendor-08/19/2025 <br> Open-Both CU & LPA scores >2.5 at 5 each Desk review or higher waterfall valuation required - Due Diligence Vendor-08/18/2025 | Ready for Review-Document Uploaded. Uploaded PC Exception regarding desk review - Seller-08/21/2025<br>| Waived-Originator provided a waiver for secondary valuation XXXX Short form desk review by licensed appraiser, applied to non material finding with comp factors - Due Diligence Vendor-08/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 779 is more than 20 points higher than the guideline min of 660.<br>Qualifying DTI below maximum allowed - Qualifying DTI 45.85 is less than the guideline max of 50. | Experienced Investor<br> Long term employment verified<br> Fico: 10 points above minimum | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5218314 |
| XXXX | 732273 | XXXX<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 741092 | XXXX<br> C<br> B<br> A | Closed | FCRE3599 | 2025-08-28 10:42 | 2025-08-29 13:55 | Waived | 2 - Non-Material<br> C<br> B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | Waived-Originator exception granted, waiver applied with comp factors. for investor exposure<br> - Due Diligence Vendor-08/29/2025 <br> Open-XX properties for the same borrower. An exception was provided. - Due Diligence Vendor-08/28/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. for investor exposure<br> - Due Diligence Vendor-08/29/2025<br>| Months Reserves exceed minimum required - > 47 months available vs. 12 months required (units are vacant)<br>DSCR % greater than 1.20 - 1.414 | Experienced investor<br> No mortgage lates<br> 729 FICO | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5346541 |
| XXXX | 748090 | XXXX<br> C<br> B<br> A | Closed | FCRE1506 | 2025-09-04 16:40 | 2025-09-10 12:46 | Resolved | 1 - Information<br> C<br> A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. Uploaded the updated 1008 and 1003 and PC exception. Per UW the payment was not entered primary payment area even though it was in liabilities it doesn't pick up there. - Seller-09/09/2025 <br> Counter-HELOC agreement and documentation to support the initial Draw provided, however guidelines require the HELOC to be calculated at the maximum available line amount while in the draw period. Finding remains.<br> - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Document Uploaded. Document Uploaded. The borrower just obtained the heloc on XXXX and initial draw was XXXX - per terms in file interest only payment with rate of 8.25 %. Our payment is higher calculated at 9.5% and borrowers qualify with this payment. All docs included in original upload, reuploaded. The 1008 also shows this was counted. - Seller-09/05/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Audited DTI of 52.83% exceeds Guideline DTI of 50% Per the 1008, the Lender did not include the new HELOC payment into the DTI. - Due Diligence Vendor-09/04/2025 | Ready for Review-Document Uploaded. Uploaded the updated 1008 and 1003 and PC exception. Per UW the payment was not entered primary payment area even though it was in liabilities it doesn't pick up there. - Seller-09/09/2025 <br> Ready for Review-Document Uploaded. Document Uploaded. The borrower just obtained the heloc on XXXX and initial draw was XXXX - per terms in file interest only payment with rate of 8.25 %. Our payment is higher calculated at 9.5% and borrowers qualify with this payment. All docs included in original upload, reuploaded. The 1008 also shows this was counted. - Seller-09/05/2025<br>| Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-09/10/2025<br>| Months Reserves exceed minimum required - >14 vs. 6 required<br>Qualifying FICO score is at least 20 points above minimum for program - 750 vs. min FICO 680 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 5417318 |
| XXXX | 748090 | XXXX<br> C<br> B<br> A | Closed | FCRE1193 | 2025-09-04 11:02 | 2025-09-10 12:45 | Waived | 2 - Non-Material<br> C<br> B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Originator provided a waiver for DTI 52%>50%, applied to non material finding with comp factors - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. Uploaded the updated 1008 and 1003 and PC exception. Per UW the payment was not entered primary payment area even though it was in liabilities it doesn't pick up there. - Seller-09/09/2025 <br> Counter-HELOC agreement and documentation to support the initial Draw provided, however guidelines require the HELOC to be calculated at the maximum available line amount while in the draw period. Finding remains. - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Document Uploaded. The borrower just obtained the heloc on XXXX and initial draw was XXXX - per terms in file interest only payment with rate of 8.25 %. Our payment is higher calculated at 9.5% and borrowers qualify with this payment. All docs included in original upload, reuploaded. The 1008 also shows this was counted. - Seller-09/05/2025 <br> Open-Audited DTI of 52.83% exceeds Guideline DTI of 50% Per the 1008, the Lender did not include the new HELOC payment into the DTI. - Due Diligence Vendor-09/04/2025 | Ready for Review-Document Uploaded. Uploaded the updated 1008 and 1003 and PC exception. Per UW the payment was not entered primary payment area even though it was in liabilities it doesn't pick up there. - Seller-09/09/2025 <br> Ready for Review-Document Uploaded. The borrower just obtained the heloc on XXXX and initial draw was XXXX - per terms in file interest only payment with rate of 8.25 %. Our payment is higher calculated at 9.5% and borrowers qualify with this payment. All docs included in original upload, reuploaded. The 1008 also shows this was counted. - Seller-09/05/2025<br>| Waived-Originator provided a waiver for DTI 52%>50%, applied to non material finding with comp factors - Due Diligence Vendor-09/10/2025<br>| Months Reserves exceed minimum required - >14 vs. 6 required<br>Qualifying FICO score is at least 20 points above minimum for program - 750 vs. min FICO 680 | Reserves: 12+ months verified<br> Fico: >10+ points above requirement<br> Long term employment verified.  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | Originator Post-Close | Yes | 5409638 |
| XXXX | 748090 | XXXX<br> C<br> B<br> A | Closed | finding-3634 | 2025-09-03 11:31 | 2025-09-08 11:49 | Resolved | 1 - Information<br> C<br> A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC for increase of loan amount points. - Due Diligence Vendor-09/08/2025 <br> Ready for Review-Document Uploaded. XXXX COC for DTI increase, change in pricing - Seller-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 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 (Points - Loan Discount 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 1 Year - Expiration Date XXXX. - Due Diligence Vendor-09/03/2025 | Ready for Review-Document Uploaded. XXXX COC for DTI increase, change in pricing - Seller-09/05/2025<br>| Resolved-Received COC for increase of loan amount points. - Due Diligence Vendor-09/08/2025<br>| Months Reserves exceed minimum required - >14 vs. 6 required<br>Qualifying FICO score is at least 20 points above minimum for program - 750 vs. min FICO 680 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 5394411 |
| XXXX | 754669 | XXXX<br> C<br> B<br> A | Closed | FCRE1194 | 2025-09-08 17:20 | 2025-09-09 17:20 | Waived | 2 - Non-Material<br> C<br> B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator exception granted, waiver applied with comp factors. deemed non material due to rate term refinance. - Due Diligence Vendor-01/28/2026 <br>Open-Audited LTV of 80% exceeds Guideline LTV of 75% 75% max LTV non-occupying co-borrower. 1008 states an exception was granted. - Due Diligence Vendor-09/09/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. deemed non material due to rate term refinance. - Due Diligence Vendor-01/28/2026<br>| Months Reserves exceed minimum required - >26 months available vs. 6 months required<br>Qualifying DTI below maximum allowed - 42.21% vs. max 50% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 5457547 |
| XXXX | 764459 | XXXX<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | 774601 | XXXX<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 774602 | XXXX<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 774898 | XXXX<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 775578 | XXXX<br> D<br> A | Closed | FCRE1440 | 2025-09-22 11:09 | 2025-09-26 09:55 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received 12 month payment history. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. REO XXXX is paid by the business - please see attached and these are in the file as well. - Buyer-09/24/2025 <br> Open-Housing History Does Not Meet Guideline Requirements- Missing 12 months housing history not reported on credit report for REO XX borrower 1. - Due Diligence Vendor-09/22/2025 |  | Resolved-Received 12 month payment history. - Due Diligence Vendor-09/25/2025<br>| LTV is less than guideline maximum - qualifying LTV 75% ; max 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 808 minimum score 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5618120 |
| XXXX | 775578 | XXXX<br> D<br> A | Closed | FCRE7497 | 2025-09-22 11:38 | 2025-09-24 16:41 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOA verification. - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. Please see attached.. All properties are SFRs - there are no HOA fees. - Buyer-09/23/2025 <br> Open-Missing HOA if any on all properties XXXX. - Due Diligence Vendor-09/22/2025 |  | Resolved-Received HOA verification. - Due Diligence Vendor-09/24/2025<br>| LTV is less than guideline maximum - qualifying LTV 75% ; max 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 808 minimum score 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5619591 |
| XXXX | 775579 | XXXX<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |

| XXXX | 778761 | XXXX<br> C<br> B<br> A | Closed | FCRE1194 | 2025-09-26 10:59 | 2025-10-02 10:12 | Waived | 2 - Non-Material<br> C<br> B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator provided a waiver for a 5% LTV finding, applied to non material finding with comp factors <br> Cash-Out Refi payments reduced by a min. of 20% or XXXX - Due Diligence Vendor-10/02/2025 <br> Ready for Review-Document Uploaded. Please see attached exception approval - Buyer-09/30/2025 <br> Counter-Payment history provided, please provide 2 months proof of receipt of rents. - Due Diligence Vendor-09/29/2025 <br> Ready for Review-Document Uploaded. Please see attached - Buyer-09/26/2025 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70% Leases are month to month, missing 2 months proof of receipt of rents resulting in the maximum LTV of 70%, subject LTV is 75%. - Due Diligence Vendor-09/26/2025 |  | Waived-Originator provided a waiver for a 5% LTV finding, applied to non material finding with comp factors <br> Cash-Out Refi payments reduced by a min. of 20% or XXXX - Due Diligence Vendor-10/02/2025<br>| Months Reserves exceed minimum required - 12.67 months reserves. Guidelines require 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 740. Guideline min FICO 700. | FICO score above program min. by 20 points or higher<br> Reserves exceed requirement by 6 months or more | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 5684953 |
| XXXX | 780179 | XXXX<br> C<br> A | Closed | FCRE1510 | 2025-09-26 19:25 | 2025-09-29 17:18 | Resolved | 1 - Information<br> C<br> A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Legal description provided. - Due Diligence Vendor-09/29/2025 <br>Ready for Review-Document Uploaded. Please see attached - Buyer-09/29/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing attached legal description for recording purposes. - Due Diligence Vendor-09/26/2025 |  | Resolved-Legal description provided. - Due Diligence Vendor-09/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 785. Min FICO required 680.<br>Months Reserves exceed minimum required - Borrower has 11.2 months reserves. Guidelines require 3 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5693408 |
| XXXX | 780179 | XXXX<br> C<br> A | Closed | FPRO0025 | 2025-09-26 20:12 | 2025-09-29 17:15 | Resolved | 1 - Information<br> C<br> A | Property | Property Issue | Smoke Detector/Carbon Monoxide detector has issues | Resolved-The state requires a CO alarm in the home, the appraiser confirmed the property has a CO alarm. - Due Diligence Vendor-09/29/2025 <br> Ready for Review-Document Uploaded. Please see attached the XXXX guidelines for smoke detectors from their website. This is not a multi-unit, if it were a multi-unit, then one would be required on every floor. Please advise , - Buyer-09/29/2025 <br> Ready for Review-This is a new requirements and it is not an issue with any of our investor. Please waive and will make sure to have it in the future files. - Buyer-09/29/2025 <br> Open-Per appraiser, second floor, third floor and basement appear to have only smoke detectors are in need of CO detectors as well. Bedrooms did not have smoke detectors as required by state/local codes. - Due Diligence Vendor-09/27/2025 |  | Resolved-The state requires alarm in the home, the appraiser confirmed the property has a CO alarm. - Due Diligence Vendor-09/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 785. Min FICO required 680.<br>Months Reserves exceed minimum required - Borrower has 11.2 months reserves. Guidelines require 3 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5693697 |
| XXXX | 782695 | XXXX<br> C<br> A | Closed | FCRE1510 | 2025-09-26 13:35 | 2025-09-30 16:48 | Resolved | 1 - Information<br> C<br> A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received recorded DOT including Exhibit A and applicable riders. - Due Diligence Vendor-09/30/2025 <br>Ready for Review-Document Uploaded. PLease see also attacehd a copy of the Recorded with the legal description - Buyer-09/29/2025 <br>Ready for Review-Document Uploaded. Please see attached - Buyer-09/29/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Legal Description missing from DOT. - Due Diligence Vendor-09/26/2025 |  | Resolved-Received recorded DOT including Exhibit A and applicable riders. - Due Diligence Vendor-09/30/2025<br>| LTV is less than guideline maximum - LTV = 75% - Max LTV = 80%<br>Months Reserves exceed minimum required - Reserves = 14.8 months – Required Reserves = 6 Months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5688786 |
| XXXX | 783882 | XXXX<br> C<br> A | Closed | FCRE1500 | 2025-09-29 18:26 | 2025-09-29 18:32 | Resolved | 1 - Information<br> C<br> A | Credit | QM-ATR | ATR: Not All Liabilities, Including Alimony and Child Support, in DTI Ratio | Resolved-Invalid condition - Due Diligence Vendor-09/29/2025 |  | Resolved-Invalid condition - Due Diligence Vendor-09/29/2025<br>| LTV is less than guideline maximum - Qualifying LTV IS 61.63%, guidelines maximum allowed 75%<br>Qualifying DTI below maximum allowed - Qualifying DTI is 30.37%, guidelines require up to 50% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5711106 |
| XXXX | 785139 | XXXX<br> C<br> A | Closed | finding-3613 | 2025-09-29 13:30 | 2025-10-02 08:57 | Resolved | 1 - Information<br> C<br> A | Compliance | TRID | TRID Disclosure Delivery and Receipt Date Validation Test | Resolved-Initial LE XXXX signed XXXX was not received on same date as CD XXXX received XXXX Finding resolved. - Due Diligence Vendor-10/02/2025 <br> Ready for Review-Document Uploaded. Please see attached correct locked LE issued and signed on XXXX - Buyer-10/01/2025 <br> Ready for Review-the correct CD has been requested from the team - Buyer-10/01/2025 <br> Open-This loan failed the TRID disclosure delivery and receipt date validation test due to one of the following findings:The Revised Loan Estimate Receipt Date is before Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date is before Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date is before Revised Closing Disclosure Delivery Date. -----Final LE XXXX and Initial CD XXXX are the same date. - Due Diligence Vendor-09/29/2025 |  | Resolved-Initial LE XXXX signed XXXX was not received on same date as CD XXXX received XXXX. Finding resolved. - Due Diligence Vendor-10/02/2025<br>| Months Reserves exceed minimum required - Reserves = 75.37 months – Required Reserves = 3 Months<br>LTV is less than guideline maximum - <br> LTV = 69.23% - Max LTV = 80%<br>|  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5705787 |
| XXXX | 785140 | XXXX<br> C<br> B<br> A | Closed | FCRE1199 | 2025-09-30 13:09 | 2025-10-03 15:51 | Waived | 2 - Non-Material<br> C<br> B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Originator provided a waiver for loan amount, applied to non material finding with comp factors<br> - Due Diligence Vendor-10/03/2025 <br> Ready for Review-Document Uploaded. Please see attached - Buyer-10/02/2025 <br> Open-Audited Loan Amount is greater than the Guideline Maximum Loan Amount of XXXX - Due Diligence Vendor-09/30/2025 |  | Waived-Originator provided a waiver for loan amount, applied to non material finding with comp factors<br> - Due Diligence Vendor-10/03/2025<br>| Months Reserves exceed minimum required - Reserves = 8.28 months – Required Reserves = 6 Months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 803 Min FICO = 700 | DTI below program maximum by 5% points or greater<br> FICO score above program min. by 20 points or higher<br> Rate and Term Refi payment reduction ≥ 10% | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 5721433 |
| XXXX | 787567 | XXXX<br> C<br> A | Closed | FCRE8701 | 2025-10-01 14:24 | 2025-10-06 15:29 | Resolved | 1 - Information<br> C<br> A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received business documentation. - Due Diligence Vendor-10/06/2025 <br>Ready for Review-Document Uploaded. please see attached all the required documents - Buyer-10/02/2025 <br>Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Business Entity Formation Document is Missing. - Due Diligence Vendor-10/01/2025 |  | Resolved-Received business documentation. - Due Diligence Vendor-10/06/2025<br>| LTV is less than guideline maximum - LTV 70% LTV. Allowed 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 781; guidelines require 700.  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5739351 |
| XXXX | 788064 | XXXX<br> D<br> A | Closed | FPRO1253 | 2025-10-06 16:06 | 2025-10-29 14:52 | Resolved | 1 - Information<br> D<br> A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Secondary valuation provided supporting value. - Due Diligence Vendor-10/29/2025 <br>Ready for Review-Document Uploaded. Please see attached - Buyer-10/29/2025 <br>Open-Additional valuation product is required. Missing Secondary Valuation product. - Due Diligence Vendor-10/06/2025 |  | Resolved-Secondary valuation provided supporting value. - Due Diligence Vendor-10/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 730; guidelines require 640.<br>DSCR % greater than 1.20 - DSCR 1.23. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5792228 |
| XXXX | 788064 | XXXX<br> D<br> A | Closed | FCRE7000 | 2025-09-30 10:38 | 2025-10-03 12:14 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Required forms/disclosures missing | Resolved-After further review, the disbursement date is acceptable. - Due Diligence Vendor-10/03/2025 <br> Ready for Review-Please also be advised that this file is funded on XXXX, as per the closind date on the final SS, and the XXXX is the printed date. Please review and clear the condition . <br>- Buyer-10/03/2025 <br> Ready for Review-The interest charge is right the date must be a typo from escrow. - Buyer-10/03/2025 <br> Open-------Per Master Final Settlement Statement interest begins accruing before disbursement date. Final Settlement Statement interest shows XXXX & disbursement date XXXX. - Due Diligence Vendor-09/30/2025 |  | Resolved-After further review, the disbursement date is acceptable. - Due Diligence Vendor-10/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 730; guidelines require 640.<br>DSCR % greater than 1.20 - DSCR 1.23. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5717455 |
| XXXX | 790835 | XXXX<br> D<br> B<br> A | Closed | FCRE3978 | 2025-10-06 08:57 | 2025-10-10 17:24 | Waived | 2 - Non-Material<br> D<br> B | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Waived-Originator exception granted, waiver applied with comp factors. deemed non material as Renter last name is common and has been renting subject since XXXX <br> - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. Please see attached exception. - Buyer-10/08/2025 <br> Counter-Please provide an LOE from the borrower. - Due Diligence Vendor-10/07/2025 <br> Ready for Review-XXXX is such a common last name and tenant been occupying property since XXXX – please waive the condition. - Buyer-10/06/2025 <br> Open-Tenant has the same name as the borrower. Neither the Borrower(s) nor the borrower's immediate family shall at any time occupy the property. - Due Diligence Vendor-10/06/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. deemed non material as Renter last name is common and has been renting subject since XXXX <br> - Due Diligence Vendor-10/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 722: guidelines require 660<br>Months Reserves exceed minimum required - 54.7 months reserves; guidelines require 3 months reserves | FICO 20 points or higher above required<br> LTV >= 5% below required.<br> DSCR > 1.25 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5781050 |
| XXXX | 790835 | XXXX<br> D<br> B<br> A | Closed | FCRE0082 | 2025-10-06 08:42 | 2025-10-08 17:17 | Resolved | 1 - Information<br> C<br> A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Received verification Item 4 will reflect the "erroneously" language. - Due Diligence Vendor-10/08/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-10/07/2025 <br>Open-Vested Owner Signature Requirement Not met. Title company to confirm whether the "erroneously" verbiage showing on note and mortgage will appear on final title. - Due Diligence Vendor-10/06/2025 |  | Resolved-Received verification Item 4 will reflect the "erroneously" language. - Due Diligence Vendor-10/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 722: guidelines require 660<br>Months Reserves exceed minimum required - 54.7 months reserves; guidelines require 3 months reserves |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5780878 |
| XXXX | 793260 | XXXX<br> D<br> B<br> A<br> C | Closed | FCRE1440 | 2025-10-06 11:49 | 2025-10-13 11:14 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Rent free letter signed by the borrower father provided. - Due Diligence Vendor-10/13/2025 <br>Ready for Review-Please be advised that the letter is signed by the father - Seller-10/13/2025 <br>Counter-Rent Free letters are required from the property owner. - Due Diligence Vendor-10/10/2025 <br>Ready for Review-it is always from the borrower , why do we need another letter form the parent , - Buyer-10/09/2025 <br>Counter-Rent free from the borrower provided, please provide the rent free letter from the parents - Due Diligence Vendor-10/08/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/06/2025 <br>Open-Housing History Does Not Meet Guideline Requirements- Missing LOX living rent free letter for b1- has to come from parents current primary. - Due Diligence Vendor-10/06/2025 | Ready for Review-Please be advised that the letter is signed by the XXXX- Seller-10/13/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-10/06/2025<br>| Resolved-Rent free letter signed by the borrower father provided. - Due Diligence Vendor-10/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 680; minimum score 660.<br>Qualifying DTI below maximum allowed - Qualifying DTI 31.47% ; max 45%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5786027 |
| XXXX | 793260 | XXXX<br> D<br> B<br> A<br> C | Closed | FCRE1355 | 2025-10-06 11:13 | 2025-10-10 17:18 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Borrower 2 CPA Letter Missing | Resolved-Upon further review, the loan file contains sufficient documentation to support the 20% expense factor. - Due Diligence Vendor-10/10/2025 <br>Ready for Review-Document Uploaded. Please see attached Tax professional attestation and that was in the credit package - Seller-10/09/2025 <br>Counter-Tax preparer verification provided, please provide the tax preparer letter. - Due Diligence Vendor-10/08/2025 <br>Ready for Review-Document Uploaded. Please see attached - Buyer-10/06/2025 <br>Open-Borrower 2 CPA Letter Missing Missing CPA ltr, there was tax attestation pdf 284. - Due Diligence Vendor-10/06/2025 | Ready for Review-Document Uploaded. Please see attached Tax professional attestation and that was in the credit package - Seller-10/09/2025<br>| Resolved-Upon further review, the loan file contains sufficient documentation to support the 20% expense factor. - Due Diligence Vendor-10/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 680; minimum score 660.<br>Qualifying DTI below maximum allowed - Qualifying DTI 31.47% ; max 45%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5784223 |
| XXXX | 793260 | XXXX<br> D<br> B<br> A<br> C | Closed | FCRE1159 | 2025-10-06 10:55 | 2025-10-08 17:36 | Resolved | 1 - Information<br> C<br> A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Upon further review, loan disbursed XXXX and the effective date is XXXX - Due Diligence Vendor-10/08/2025 <br> Ready for Review-As per the final PCCD on the legal PAge 23, file funded on XXXX. and the hazard effective date is XXXX - Buyer-10/06/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX- disbursed XXXX. - Due Diligence Vendor-10/06/2025 |  | Resolved-Upon further review, loan disbursed XXXX and the effective date is XXXX- Due Diligence Vendor-10/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 680; minimum score 660.<br>Qualifying DTI below maximum allowed - Qualifying DTI 31.47% ; max 45%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5783785 |
| XXXX | 793260 | XXXX<br> D<br> B<br> A<br> C | Closed | FCRE8013 | 2025-10-06 10:45 | 2025-10-08 17:35 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | Purchase Contract Issue | Resolved-Upon further review, the purchase contract was complete. - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-10/06/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided.- Purchase contract provided. pdf 562 counter offer states sale to include washer , dryer refrigerator and wired TVS. seller to pay home warranty amount of XXXX seller to pay solar at closing. please provide addendum for home warranty , TV has no value and Solar has been paid. - Due Diligence Vendor-10/06/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-10/06/2025<br>| Resolved-Upon further review, the purchase contract was complete. - Due Diligence Vendor-10/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 680; minimum score 660.<br>Qualifying DTI below maximum allowed - Qualifying DTI 31.47% ; max 45%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5783544 |
| XXXX | 793260 | XXXX<br> D<br> B<br> A<br> C | Closed | finding-3635 | 2025-10-02 15:39 | 2025-10-08 10:45 | Cured | 2 - Non-Material<br> C<br> B | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Cured------Received PCCD reflecting a Broker Cure for XXXX. Finding Cured. - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. Please see attached the payment history , the amount of XXXX has been applied toward the principal reduction, also the revised PCCD showing the cure on section L - Seller-10/07/2025 <br> Ready for Review-Document Uploaded. Please see attached the payment history , the amount of XXXX has been applied toward the principal reduction - Seller-10/06/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% (XXXX) exceed the comparable charges (XXXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees Recording Fee increased by XXXX without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 year, expiration date XXXX. - Due Diligence Vendor-10/02/2025 | Ready for Review-Document Uploaded. Please see attached the payment history , the amount of XXXX has been applied toward the principal reduction, also the revised PCCD showing the cure on section L - Seller-10/07/2025 <br> Ready for Review-Document Uploaded. Please see attached the payment history , the amount of XXXX has been applied toward the principal reduction - Seller-10/06/2025<br>| Cured------Received PCCD reflecting a Broker Cure for XXXX. Finding Cured. - Due Diligence Vendor-10/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 680; minimum score 660.<br>Qualifying DTI below maximum allowed - Qualifying DTI 31.47% ; max 45%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 5757484 |
| XXXX | 793262 | XXXX<br> C<br> A | Closed | FCRE1155 | 2025-10-03 15:04 | 2025-10-10 11:51 | Resolved | 1 - Information<br> C<br> A | Credit | Insurance | Subject Property Address on Note does not match Insured Property Address | Resolved-Received corrected Policy with correct address. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. Please see attached - Buyer-10/07/2025 <br> Counter-Please have the Policy updated to reflect the correct address. - Due Diligence Vendor-10/07/2025 <br> Ready for Review-The policy is covering that address still , please review and advise - Seller-10/06/2025 <br> Open-Subject Property on Note does not match Insured Property Address Policy is missing "XXXX" portion of the street address. - Due Diligence Vendor-10/03/2025 | Ready for Review-The policy is covering that address still , please review and advise - Seller-10/06/2025<br>| Resolved-Received corrected Policy with correct address. - Due Diligence Vendor-10/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - minimum required 700 - actual 766 Fico<br>Months Reserves exceed minimum required - Required 3 - actual 91.08 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5771059 |
| XXXX | 793262 | XXXX<br> C<br> A | Closed | FCRE2244 | 2025-10-06 09:18 | 2025-10-10 11:45 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Revised appraisal received confirming the stove hook-up. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. Please see attached revised appraisal - Seller-10/10/2025 <br> Counter-Please have the appraiser confirm the kitchen has a stove hookup. It appears the appraiser took into consideration the condition and missing floor coverings. - Due Diligence Vendor-10/07/2025 <br> Ready for Review-as per the appraial Page 2, Based on a complete visual inspection of the interior and exterior areas of the subject property, defined scope of work, statement of assumptions and limiting conditions, and appraiser's certification, my (our) opinion of the market value, as defined, of the real property that is the subject of this report is XXXX as of XXXX , which is the date of inspection and the effective date of this appraisal. Aprraisal is made as is. Please review and clear te condition - Seller-10/06/2025 <br> Open-Property Issues are identified for the property 1. No stove or refrigerator present in kitchen.<br> 2. Significant deferred maintenance present, missing appraisal justification for C4 rating.<br> 3. Bare concrete floor in the dining room was not commented on by appraiser, cost to cure and whether safety issue? - Due Diligence Vendor-10/06/2025 | Ready for Review-Document Uploaded. Please see attached revised appraisal - Seller-10/10/2025 <br> Ready for Review-as per the appraial Page 2, Based on a complete visual inspection of the interior and exterior areas of the subject property, defined scope of work, statement of assumptions and limiting conditions, and appraiser's certification, my (our) opinion of the market value, as defined, of the real property that is the subject of this report is XXXX, as of XXXX , which is the date of inspection and the effective date of this appraisal. Aprraisal is made as is. Please review and clear te condition - Seller-10/06/2025<br>| Resolved-Revised appraisal received confirming the stove hook-up. - Due Diligence Vendor-10/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - minimum required 700 - actual 766 Fico<br>Months Reserves exceed minimum required - Required 3 - actual 91.08 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5781509 |
| XXXX | 793262 | XXXX<br> C<br> A | Closed | FCRE1159 | 2025-10-03 15:04 | 2025-10-09 17:27 | Resolved | 1 - Information<br> C<br> A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX - Due Diligence Vendor-10/09/2025 <br> Ready for Review-file funded XXXX , please check the final ss right before the CD as this is a DSCR file and there is no PCCD , please revisit Page 24. - Seller-10/09/2025 <br> Counter-Per the CD provided in the loan file, disbursement date is XXXX and the effective date of the policy is XXXX - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. Please see attached revised EOI - Seller-10/06/2025 <br> Ready for Review-as per the final SS file funded on the XXXX , Final SS will be found on the legal page 24. Please also be advised that the hazard insuranced is dated XXXX. - Seller-10/06/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Funded XXXX - Due Diligence Vendor-10/03/2025 | Ready for Review-file funded XXXX , please check the final ss right before the CD as this is a DSCR file and there is no PCCD , please revisit Page 24. - Seller-10/09/2025 <br> Ready for Review-Document Uploaded. Please see attached revised EOI - Seller-10/06/2025 <br> Ready for Review-as per the final SS file funded on the XXXX , Final SS will be found on the legal page 24. Please also be advised that the hazard insuranced is dated XXXX. - Seller-10/06/2025<br>| Resolved-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX - Due Diligence Vendor-10/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - minimum required 700 - actual 766 Fico<br>Months Reserves exceed minimum required - Required 3 - actual 91.08 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5771058 |
| XXXX | 793623 | XXXX<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 793624 | XXXX<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 796590 | XXXX<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 796591 | XXXX<br> D<br> A | Closed | FCRE8887 | 2025-10-09 11:02 | 2025-10-13 10:49 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Updated 1003 provided. - Due Diligence Vendor-10/13/2025 <br>Ready for Review-Document Uploaded. Please see attached updated 1003 - Seller-10/13/2025 <br>Counter-Please provide corrected final 1003 reflecting housing years on page 1 for current primary residence. - Due Diligence Vendor-10/09/2025 <br>Ready for Review-Document Uploaded. Please see attached - Buyer-10/09/2025 <br>Counter-Client comments - Document Uploaded. Please see attached 1003 showing 5 years - AUDIT RESPONSE - 1003 w/5 years employment history provided. Please provide 2 years of housing history. <br> - Due Diligence Vendor-10/09/2025 <br>Open-Missing two years housing history - Due Diligence Vendor-10/09/2025 | Ready for Review-Document Uploaded. Please see attached updated 1003 - Seller-10/13/2025<br>| Resolved-Updated 1003 provided. - Due Diligence Vendor-10/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 702; minimum score 660.<br>Months Reserves exceed minimum required - 26 months PITIA reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5836940 |
| XXXX | 796591 | XXXX<br> D<br> A | Closed | FCRE1964 | 2025-10-07 12:36 | 2025-10-13 10:45 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Missing income documentation | Resolved-Missing bank statements received. - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-10/10/2025 <br> Counter-Received XXXX 12/24-Missing income bank statements for XXXX and XXXX. was not provided only 10 months of business bank statements provided in file. - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. Please see attached 12 income bank statements - Buyer-10/08/2025 <br> Open-Missing income bank statements for XXXX and XXXX. was not provided only 10 months of business bank statements provided in file. - Due Diligence Vendor-10/07/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-10/10/2025<br>| Resolved-Missing bank statements received. - Due Diligence Vendor-10/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 702; minimum score 660.<br>Months Reserves exceed minimum required - 26 months PITIA reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5806481 |
| XXXX | 796591 | XXXX<br> D<br> A | Closed | FCRE1159 | 2025-10-07 12:17 | 2025-10-10 15:40 | Resolved | 1 - Information<br> C<br> A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received PCCD reflecting disbursement date of XXXX. - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. Please see attached PCCD , file funded XXXX - Seller-10/08/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX - Due Diligence Vendor-10/07/2025 | Ready for Review-Document Uploaded. Please see attached PCCD , file funded XXXX - Seller-10/08/2025<br>| Resolved-Received PCCD reflecting disbursement date of XXXX. - Due Diligence Vendor-10/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 702; minimum score 660.<br>Months Reserves exceed minimum required - 26 months PITIA reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5806147 |
| XXXX | 796591 | XXXX<br> D<br> A | Closed | FCRE0970 | 2025-10-07 12:09 | 2025-10-10 15:37 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-1004D provided for water heater straps. The kitchen was not remodeled and not listed as something that needs to be repaired per the appraiser. - Due Diligence Vendor-10/10/2025 <br>Ready for Review-Document Uploaded. Please see attached 1004D - Seller-10/10/2025 <br>Ready for Review-Please be advised that the 1004D is not required as per the Appraisal comment on apge 1 it is just door trim in the kitchedn , please review and clear the condition - Seller-10/10/2025 <br>Counter-Appraisal photo does not support painting-Appraisal pic Kitchen pdg 391 appears to be remodeling and repairs needed blue tape against the wall of kitchen area and appraisal is as is. appraisal to provide 1004 D completion cert - Due Diligence Vendor-10/09/2025 <br>Ready for Review-picture is just showing blue tape covering the door as appear in the picture it is just a new painting on that wall, no repair needed . Please review and clear the condition - Buyer-10/08/2025 <br>Open-Appraisal pic Kitchen pdg 391 appears to be remodeling and repairs needed blue tape against the wall of kitchen area and appraisal is as is. appraisal to provide 1004 D completion cert. - Due Diligence Vendor-10/07/2025 | Ready for Review-Document Uploaded. Please see attached 1004D - Seller-10/10/2025 <br>Ready for Review-Please be advised that the 1004D is not required as per the Appraisal comment on apge 1 it is just door trim in the kitchedn , please review and clear the condition - Seller-10/10/2025<br>| Resolved-1004D provided for water heater straps. The kitchen was not remodeled and not listed as something that needs to be repaired per the appraiser. - Due Diligence Vendor-10/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 702; minimum score 660.<br>Months Reserves exceed minimum required - 26 months PITIA reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5805897 |
| XXXX | 796591 | XXXX<br> D<br> A | Closed | FCRE7009 | 2025-10-07 12:17 | 2025-10-10 15:34 | Resolved | 1 - Information<br> C<br> A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Updated HOI policy received. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-10/10/2025 <br> Ready for Review- we have the Dwelling coverage with XXXX, the RCE XXXX, and that covers more than the Loan amount of XXXX. - Buyer-10/10/2025 <br> Counter-Received RCE reflecting replacement of XXXX HOI received coverage is insufficient at XXXX - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. Please see attacehd , and that was in the credit package - Seller-10/08/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Missing insurance to cover dwelling coverage. - Due Diligence Vendor-10/07/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-10/10/2025 <br>Ready for Review-Document Uploaded. Please see attacehd , and that was in the credit package - Seller-10/08/2025<br>| Resolved-Updated HOI policy received. - Due Diligence Vendor-10/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 702; minimum score 660.<br>Months Reserves exceed minimum required - 26 months PITIA reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5806148 |
| XXXX | 796591 | XXXX<br> D<br> A | Closed | FCRE1158 | 2025-10-07 12:17 | 2025-10-10 15:34 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is not partially provided - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-10/10/2025 <br> Ready for Review- we have the Dwelling coverage with XXXX, the RCE XXXX, and that covers more than the Loan amount of XXXX. - Buyer-10/10/2025 <br> Counter- Missing Hazard insurance to cover dwelling or RCE amount and annual premium used on final cd and 1008 of XXXX. - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. - Seller-10/08/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided - Missing Hazard insurance to cover dwelling or RCE amount and annual premium used on final cd and 1008 of XXXX. - Due Diligence Vendor-10/07/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-10/10/2025 <br>Ready for Review-Document Uploaded. - Seller-10/08/2025<br>| Resolved-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is not partially provided - Due Diligence Vendor-10/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 702; minimum score 660.<br>Months Reserves exceed minimum required - 26 months PITIA reserves; 3 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5806149 |
| XXXX | 798113 | XXXX<br> D<br> A | Closed | FCRE7497 | 2025-10-08 11:46 | 2025-10-13 11:12 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Property profile provided confirming the borrower does not own XX. - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. Please see attached property profile showing he is not on title so therefore the other owners would be responsible for the taxes/insurance and HOA fees<br>- Buyer-10/13/2025 <br> Counter-P&I provided, Please provide taxes, insurance and HOA. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. Please see attached teh mortgage statement date XXXX showing only pricipal and interest fees - Buyer-10/09/2025 <br> Ready for Review-There is no XX property on the 1003 , please advise which property address are we need - Buyer-10/09/2025 <br> Open-Missing Tax, HOI, HOA from Property XX as mortgage statement doesn't reflect payment is escrowed. - Due Diligence Vendor-10/08/2025 |  | Resolved-Property profile provided confirming the borrower does not own XXXX. - Due Diligence Vendor-10/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Fico of 810 exceeds program min of 660 per guides<br>Months Reserves exceed minimum required - 201 months reserves exceeds 3 months req per guides |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 5822120 |
| XXXX | 803185 | XXXX<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 804532 | XXXX<br> B<br> A | Closed | FCOM5135 | 2025-10-10 15:26 | 2025-10-10 16:27 | Waived | 2 - Non-Material<br> B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-10/10/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-10/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 709 and minimum allowed is 660.<br>LTV is less than guideline maximum - LTV is 80% and max allowed is 85% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 5860066 |
| XXXX | 805543 | XXXX<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 805544 | XXXX<br> D<br> A | Closed | FCOM1352 | 2025-10-13 13:06 | 2025-10-24 09:48 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Certification - Due Diligence Vendor-10/15/2025 <br>Ready for Review-Document Uploaded. Please see attached and those were on the legal package Page 117, 118 and 163 - Buyer-10/14/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing on a DSCR loan. - Due Diligence Vendor-10/13/2025 |  | Resolved-Received Business Purpose Certification - Due Diligence Vendor-10/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO IS 804, MINIMUM IS 700<br>DSCR % greater than 1.20 - DSCR SCORE 1.249, minimum is 1.0 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5874311 |
| XXXX | 805544 | XXXX<br> D<br> A | Closed | FCRE2244 | 2025-10-14 10:37 | 2025-10-20 09:25 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Revised appraisal provided with a Unit XX bedroom photo. - Due Diligence Vendor-10/20/2025 <br> Ready for Review-Document Uploaded. - Buyer-10/17/2025 <br> Open-Property Issues are identified for the property Appraisal is missing a picture of second bedroom for Unit XX. - Due Diligence Vendor-10/14/2025 |  | Resolved-Revised appraisal provided with a Unit XX bedroom photo. - Due Diligence Vendor-10/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO IS 804, MINIMUM IS 700<br>DSCR % greater than 1.20 - DSCR SCORE 1.249, minimum is 1.0 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5886108 |
| XXXX | 805544 | XXXX<br> D<br> A | Closed | FCRE1491 | 2025-10-13 13:57 | 2025-10-15 15:34 | Resolved | 1 - Information<br> C<br> A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received LOE from the borrower, source documentation is not required per the guidelines. - Due Diligence Vendor-10/15/2025 <br> Ready for Review-Document Uploaded. Please see attached LOE , and large deposits on DSCR are not required. - Buyer-10/14/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Per guides, large deposits must be sourced. Provide CD to source large deposit of XXXX on XXXX. - Due Diligence Vendor-10/13/2025 |  | Resolved-Received LOE from the borrower, source documentation is not required per the guidelines. - Due Diligence Vendor-10/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO IS 804, MINIMUM IS 700<br>DSCR % greater than 1.20 - DSCR SCORE 1.249, minimum is 1.0 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5875420 |
| XXXX | 805693 | XXXX<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 807093 | XXXX<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 807094 | XXXX<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 807096 | XXXX<br> C<br> B<br> A | Closed | FCRE2244 | 2025-10-14 09:25 | 2025-10-24 16:47 | Waived | 2 - Non-Material<br> C<br> B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Originator waiver applied to non material finding. Physical deficiencies which are the following (Hairline cracks in sheetrock) were addressed in the Engineer's report. Previous water damage to ceiling is minor, appraisal done as is. - Due Diligence Vendor-10/24/2025 <br>Ready for Review-Document Uploaded. Please find attached exception approval. - Seller-10/22/2025 <br>Counter-Originator comments - Yes it does address – the appraisal stated hairline in interior walls and ceiling could be due to settlement – this is a new construction and it's normal for settlement – as a precaution, we requested a foundation report to confirm - AUDIT RESPONSE - Appraiser stated Ceiling stains on the second floor, which may be consistent with prior or active water intrusion (roof, plumbing, or HVAC/water heater related). <br> - Due Diligence Vendor-10/21/2025 <br>Ready for Review-Document Uploaded. Please see attached underwriter's response. - Seller-10/20/2025 <br>Counter-Foundation engineer inspection report provided, however it does not address the deficiencies noted by the Appraiser. - Due Diligence Vendor-10/17/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-10/15/2025 <br>Open-Property Issues are identified for the property . Appraisal reflects physical deficiencies which are the following (Hairline cracks in sheetrock and water damage). When there are incomplete items or conditions that do affect the safety, soundness, or structural integrity of the property, the property must be appraised subject to completion. Provide an 1004D report with all physical deficiencies fixed. - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. Please find attached exception approval. - Seller-10/22/2025 <br>Ready for Review-Document Uploaded. Please see attached underwriter's response. - Seller-10/20/2025<br>| Waived-Originator waiver applied to non material finding. Physical deficiencies which are the following (Hairline cracks in sheetrock) were addressed in the Engineer's report. Previous water damage to ceiling is minor, appraisal done as is. - Due Diligence Vendor-10/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 723 and minimum allowed is 660.<br>DSCR % greater than 1.20 - DSCR % greater than 1.20. DSCR is 1.418% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5884995 |
| XXXX | 807096 | XXXX<br> C<br> B<br> A | Closed | FCRE0082 | 2025-10-14 09:16 | 2025-10-22 17:24 | Resolved | 1 - Information<br> C<br> A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-This is a community property state and the wife is not required to be on title as a proposed insured. - Due Diligence Vendor-10/22/2025 <br>Ready for Review-Document Uploaded. See attached. Vesting is confirmed on the title report. - Buyer-10/22/2025 <br>Counter-Please provide verification how the borrower is going to be vested on Title. Commitment does not reflect the borrower as the proposed insured. - Due Diligence Vendor-10/21/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-10/20/2025 <br>Counter-Warranty Deed provided, however the Commitment in file does not disclose the proposed insured. - Due Diligence Vendor-10/17/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-10/15/2025 <br>Open-Vested Owner Signature Requirement Not met. Missing Title Supplement reflecting correct vesting. - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-10/15/2025<br>| Resolved-This is a community property state and the wife is not required to be on title as a proposed insured. - Due Diligence Vendor-10/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 723 and minimum allowed is 660.<br>DSCR % greater than 1.20 - DSCR % greater than 1.20. DSCR is 1.418% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5884854 |
| XXXX | 807096 | XXXX<br> C<br> B<br> A | Closed | FCRE1440 | 2025-10-14 09:42 | 2025-10-17 14:12 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Credit Supplement. - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-10/15/2025 <br> Open-Housing History Does Not Meet Guideline Requirements. Missing proof of the XXXX and the XXXX payment XXXX. - Due Diligence Vendor-10/14/2025 |  | Resolved-Received Credit Supplement. - Due Diligence Vendor-10/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 723 and minimum allowed is 660.<br>DSCR % greater than 1.20 - DSCR % greater than 1.20. DSCR is 1.418% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5885225 |
| XXXX | 809575 | XXXX<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 809657 | XXXX<br> C<br> B<br> A | Closed | FCRE8201 | 2025-10-16 16:05 | 2025-10-23 10:14 | Waived | 2 - Non-Material<br> C<br> B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator waiver applied to non material finding with compensating factors. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. Please see attached exception approval - Buyer-10/22/2025 <br> Counter-Please provide verification if the prior mortgage was a R/T or Cash Out. Additional findings may apply. - Due Diligence Vendor-10/21/2025 <br> Ready for Review-Document Uploaded. Please see attached XXXX Payments along with the credit supplement. Kindly review and clear the condition - Buyer-10/21/2025 <br> Ready for Review-Document Uploaded. Please see attached - Buyer-10/21/2025 <br> Counter-Please provide the Settlement Statement/CD for the refinance XXXX for review. Additional findings may apply - Due Diligence Vendor-10/20/2025 <br> Ready for Review-Document Uploaded. Please see attached - Buyer-10/17/2025 <br> Open-Loan submitted as Rate/Term Refinance. Paying off a Mortgage Originated XXXX - NOT Purchase Mortgage. File is missing CD/Settlement Statement to show current mortgage being Paid Off was NOT a Cash-Out Refinance in XXXX. Per guides - Refinance of a previous Cash-Out seasoned < 1 year will be considered Cash-Out refinance<br> - Due Diligence Vendor-10/16/2025 |  | Waived-Originator waiver applied to non material finding with compensating factors. - Due Diligence Vendor-10/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 719; guidelines require 680. <br>Months Reserves exceed minimum required - 45.29 months reserves; 3 months reserves required. | Fico above 20 pts or higher <br> LTV is below max by 5%<br> rate and term refinance with pmt reduction over 10% | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 5922323 |
| XXXX | 811762 | XXXX<br> D<br> A | Closed | FCRE1510 | 2025-10-16 13:38 | 2025-10-20 14:57 | Resolved | 1 - Information<br> C<br> A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Legal description provided. - Due Diligence Vendor-10/20/2025 <br>Ready for Review-Document Uploaded. Please see attached - Buyer-10/20/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing LD in mortgage chain - Due Diligence Vendor-10/16/2025 |  | Resolved-Legal description provided. - Due Diligence Vendor-10/20/2025<br>| Months Reserves exceed minimum required - 5.87 months reserves; 3 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 739; guidelines require 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 | 5919561 |
| XXXX | 811762 | XXXX<br> D<br> A | Closed | FCRE0174 | 2025-10-20 10:30 | 2025-10-20 14:56 | Resolved | 1 - Information<br> D<br> A | Credit | Eligibility | Residual Income does not meet Guideline Requirements | Resolved-After further review, the residual income requirement is XXXX for the select program, primary residence. - Due Diligence Vendor-10/20/2025 <br> Open-Residual Income does not meet Guideline Requirements XXXX residual income required for DTI over 50% and up to 55% - Due Diligence Vendor-10/20/2025 |  | Resolved-After further review, the residual income requirement is XXXX for the select program, primary residence. - Due Diligence Vendor-10/20/2025<br>| Months Reserves exceed minimum required - 5.87 months reserves; 3 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 739; guidelines require 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 | 5945759 |
| XXXX | 812944 | XXXX<br> C<br> A | Closed | FCRE2244 | 2025-10-20 08:10 | 2026-01-08 11:00 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Revised appraisal received. - Due Diligence Vendor-10/23/2025 <br>Ready for Review-Document Uploaded. Pls see attached revised appraisal. - Buyer-10/20/2025 <br>Open-Property Issues are identified for the property. Neighborhood section of the appraisal for housing trends is incomplete. Provide a revised appraisal with marketing time section completed. - Due Diligence Vendor-10/20/2025 |  | Resolved-Revised appraisal received. - Due Diligence Vendor-10/23/2025<br>| LTV is less than guideline maximum - LTV is 48.19% and max allowed is 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 719 and minimum allowed is 660. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5944289 |
| XXXX | 829110 | XXXX<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 843926 | XXXX<br> D<br> B<br> A | Closed | FCRE1200 | 2025-11-13 10:24 | 2026-01-28 09:56 | Waived | 2 - Non-Material<br> C<br> B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator provided a waiver for loan amount Ready for Review-Document Uploaded. enclosed was in our delivered file ... loan amount exception - Seller-11/13/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of XXXX Subject loan amount of XXXX is less than guideline minimum of XXXX Exception in file. - Due Diligence Vendor-11/13/2025<br>| Ready for Review-Document Uploaded. enclosed was in our delivered file ... loan amount exception - Seller-11/13/2025<br>| Waived-Originator provided a waiver for loan amount <br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Guideline minimum required DSCR is 0.8. Borrower has a DSCR of 1.346. Required is 0.8 Borrower has 1.346<br>LTV is less than guideline maximum - Guideline maximum allowable LTV is 75%. The subject LTV is 51.72%. Required is 75 Borrower has 51.72<br>Qualifying FICO score is at least 20 points above minimum for program - Guidelines require a minimum FICO score of 700. Borrower's qualifying FICO score is 727. Required is 700 Borrower has 727 | FICO: 727>700<br> LTV: 55%<75% max allowed | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 6237946 |
| XXXX | 843926 | XXXX<br> D<br> B<br> A | Closed | FCRE6666 | 2025-11-13 14:19 | 2025-11-19 15:52 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Secondary Valuation product is dated prior to the Appraisal date | Resolved-Received correct SSRs/secondary valuation. Previous appraisal effective date was expired-not required. - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. correct UCDP - Seller-11/18/2025 <br> Counter-Received duplicate SSRs--finding remains--One or more of the additional valuation products were completed prior to the Primary Valuation product date. Appraisal in file dated XXXX completed by XXXX. CU and LCA dated XXXX with appraiser name of XXXX. Provide the appraisal that matches the CU and LCA. - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. per guidelines, secondary evaluation not applicable if the UCDP score is acceptable (below 2.5) - Seller-11/13/2025 <br> Open-One or more of the additional valuation products were completed prior to the Primary Valuation product date. Appraisal in file dated XXXX completed by XXXX. CU and LCA dated XXXX with appraiser name of XXXX. Provide the appraisal that matches the CU and LCA. - Due Diligence Vendor-11/13/2025 | Ready for Review-Document Uploaded. correct UCDP - Seller-11/18/2025 <br>Ready for Review-Document Uploaded. per guidelines, secondary evaluation not applicable if the UCDP score is acceptable (below 2.5) - Seller-11/13/2025<br>| Resolved-Received correct SSRs/secondary valuation. Previous appraisal effective date was expired-not required. - Due Diligence Vendor-11/19/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Guideline minimum required DSCR is 0.8. Borrower has a DSCR of 1.346. Required is 0.8 Borrower has 1.346<br>LTV is less than guideline maximum - Guideline maximum allowable LTV is 75%. The subject LTV is 51.72%. Required is 75 Borrower has 51.72<br>Qualifying FICO score is at least 20 points above minimum for program - Guidelines require a minimum FICO score of 700. Borrower's qualifying FICO score is 727. Required is 700 Borrower has 727 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6243265 |
| XXXX | 843926 | XXXX<br> D<br> B<br> A | Closed | FCRE1440 | 2025-11-13 14:36 | 2025-11-17 15:20 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received credit supplement confirm both mortgages paid current. - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. enclosed was in our delivered file - Seller-11/13/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Provide updated pay histories for XXXX and XXXX listed on the gap credit report dated XXXX. These mortgages were last reported XXXX. Subject loan closed XXXX. - Due Diligence Vendor-11/13/2025 | Ready for Review-Document Uploaded. enclosed was in our delivered file - Seller-11/13/2025<br>| Resolved-Received credit supplement confirm both mortgages paid current. - Due Diligence Vendor-11/17/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Guideline minimum required DSCR is 0.8. Borrower has a DSCR of 1.346. Required is 0.8 Borrower has 1.346<br>LTV is less than guideline maximum - Guideline maximum allowable LTV is 75%. The subject LTV is 51.72%. Required is 75 Borrower has 51.72<br>Qualifying FICO score is at least 20 points above minimum for program - Guidelines require a minimum FICO score of 700. Borrower's qualifying FICO score is 727. Required is 700 Borrower has 727 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6243590 |
| XXXX | 849590 | XXXX<br> D<br> A | Closed | FCRE1164 | 2025-11-14 17:01 | 2025-11-19 15:56 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Received Flood Policy. - Due Diligence Vendor-11/19/2025 <br>Ready for Review-Document Uploaded. flood policy - Seller-11/19/2025 <br>Open-Missing Flood Insurance Policy - Due Diligence Vendor-11/14/2025 | Ready for Review-Document Uploaded. flood policy - Seller-11/19/2025<br>| Resolved-Received Flood Policy. - Due Diligence Vendor-11/19/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.03 Required is 0.8 Borrower has 1.673<br>LTV is less than guideline maximum - Required is 75 Borrower has 50.07 Required is 75 Borrower has 50.07<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 722 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6260647 |
| XXXX | 849590 | XXXX<br> D<br> A | Closed | FCRE1157 | 2025-11-14 17:01 | 2025-11-19 15:56 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received Hazard Insurance Policy - Due Diligence Vendor-11/19/2025 <br>Ready for Review-Document Uploaded. insurance - Seller-11/17/2025 <br>Open-Missing Hazard Insurance Policy - Due Diligence Vendor-11/14/2025 | Ready for Review-Document Uploaded. insurance - Seller-11/17/2025<br>| Resolved-Received Hazard Insurance Policy - Due Diligence Vendor-11/19/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.03 Required is 0.8 Borrower has 1.673<br>LTV is less than guideline maximum - Required is 75 Borrower has 50.07 Required is 75 Borrower has 50.07<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 722 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6260648 |
| XXXX | 849590 | XXXX<br> D<br> A | Closed | FCRE9569 | 2025-11-14 17:01 | 2025-11-19 15:56 | Resolved | 1 - Information<br> C<br> A | Credit | Insurance | Subject Property is in a Flood Zone that requires Flood Insurance but Flood Insurance is not Present | Resolved-Received Flood Policy - Due Diligence Vendor-11/19/2025 <br>Ready for Review-Document Uploaded. flood policy - Seller-11/19/2025 <br>Open-Subject Property is in Flood Zone AE but Flood Insurance is not present. - Due Diligence Vendor-11/14/2025 | Ready for Review-Document Uploaded. flood policy - Seller-11/19/2025<br>| Resolved-Received Flood Policy - Due Diligence Vendor-11/19/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.03 Required is 0.8 Borrower has 1.673<br>LTV is less than guideline maximum - Required is 75 Borrower has 50.07 Required is 75 Borrower has 50.07<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 722 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6260649 |
| XXXX | 851085 | XXXX<br> C<br> A | Closed | FCRE0184 | 2025-11-17 10:02 | 2025-11-19 15:54 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Received business purpose LOE. - Due Diligence Vendor-11/19/2025 <br>Ready for Review-Document Uploaded. LOE cash out - Seller-11/18/2025 <br>Open-Missing Cash-out Letter on a Business Purpose Loan. - Due Diligence Vendor-11/17/2025 | Ready for Review-Document Uploaded. LOE cash out - Seller-11/18/2025<br>| Resolved-Received business purpose LOE. - Due Diligence Vendor-11/19/2025<br>| Months Reserves exceed minimum required - 7.35 months reserves; 3 months reserves required<br>LTV is less than guideline maximum - 50% LTV; max 75% LTV required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6271452 |
| XXXX | 851102 | XXXX<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 851133 | XXXX<br> C<br> A | Closed | FCRE1206 | 2025-11-17 17:02 | 2025-11-25 14:18 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received updated fraud report. - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Document Uploaded. correct fraud report - Seller-11/24/2025 <br> Counter-Final Fraud provided w/appraiser, however there are High alerts that have not been addressed. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. complete fraud guard<br> - Due Diligence Vendor-11/21/2025 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Missing the complete exclusionary list with all participants listed. Appraiser not listed in XXXX (see page 334) - Due Diligence Vendor-11/21/2025 | Ready for Review-Document Uploaded. correct fraud report - Seller-11/24/2025<br>| Resolved-Received updated fraud report. - Due Diligence Vendor-11/25/2025<br>| LTV is less than guideline maximum - Required is 85 Borrower has 75<br>DSCR =/> 1.00 and minimum is 0.85 or Less - verified Required is 0.75 Borrower has 1.014<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 740 Borrower has 767 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6280853 |
| XXXX | 851821 | XXXX<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 854381 | XXXX<br> C<br> A | Closed | FCRE1440 | 2025-11-19 16:06 | 2025-11-21 15:52 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received 12 month housing history for XX. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. vom - Seller-11/19/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing 12 month pay history on REO XX - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. vom - Seller-11/19/2025<br>| Resolved-Received 12 month housing history for XX. - Due Diligence Vendor-11/21/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 6.26<br>Months Reserves exceed minimum required - 10 months > 3 required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6311906 |
| XXXX | 854665 | XXXX<br> C<br> B<br> A | Closed | FCRE3599 | 2025-11-18 16:18 | 2025-11-25 16:04 | Waived | 2 - Non-Material<br> C<br> B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | Waived-Originator exception granted for exposure, waiver applied with compactors - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Document Uploaded. The exception is for both. There are more than XX loans, and total is over XXXX. - Seller-11/18/2025 <br> Open-Total lender exposure exceeds XX loans or XXXX. Audit unable to determine the total exposure and exception does not show this information. Lender to confirm the actual total exposure, total loans over XX or over XXXX or both, before a waiver will be issued. - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. The exception is for both. There are more than XX loans, and total is over XXXX. - Seller-11/18/2025<br>| Waived-Originator exception granted for exposure, waiver applied with compactors - Due Diligence Vendor-11/25/2025<br>| Months Reserves exceed minimum required - 153 months > 3 required<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.588 Required is 0.8 Borrower has 1.588<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 779 | FICO 20 points over min<br> Reserves 12+ months over min<br>| XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | No | 6295605 |
| XXXX | 854665 | XXXX<br> C<br> B<br> A | Closed | FCRE1510 | 2025-11-18 09:20 | 2025-11-20 18:18 | Resolved | 1 - Information<br> C<br> A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/legal. - Due Diligence Vendor-11/20/2025 <br>Ready for Review-Document Uploaded. Exhibit A is the legal description, theyare one in the same. - Seller-11/18/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Deed of Trust states Legal Description is in Exhibit A, however there is no Exhibit A in mortgage chain. Legal description attached is from title and does not say Exhibit A. - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. Exhibit A is the legal description, theyare one in the same. - Seller-11/18/2025<br>| Resolved-Received Mortgage w/legal. - Due Diligence Vendor-11/20/2025<br>| Months Reserves exceed minimum required - 153 months > 3 required<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.588 Required is 0.8 Borrower has 1.588<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 779 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6287414 |
| XXXX | 854665 | XXXX<br> C<br> B<br> A | Closed | FCRE8702 | 2025-11-18 16:22 | 2025-11-18 16:29 | Waived | 2 - Non-Material<br> C<br> B | Credit | Borrower | Business Entity Formation Document is Incomplete | Waived-Originator exception granted to allow no attorney letter on a vested LLC. Non-material waiver applied with comp factors. Deemed non-material due to all other relevant LLC docs are in the file and it is common for smaller LLC's to not have an attorney<br> - Due Diligence Vendor-11/18/2025 <br>Open-The Business Entity Formation Document is incomplete Missing attorney opinion letter - Due Diligence Vendor-11/18/2025 |  | Waived-Originator exception granted to allow no attorney letter on a vested LLC. Non-material waiver applied with comp factors. Deemed non-material due to all other relevant LLC docs are in the file and it is common for smaller LLC's to not have an attorney<br> - Due Diligence Vendor-11/18/2025<br>| Months Reserves exceed minimum required - 153 months > 3 required<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.588 Required is 0.8 Borrower has 1.588<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 779 | FICO 20 points over min<br> Reserves 12+ months over min<br>| XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 6295672 |
| XXXX | 854665 | XXXX<br> C<br> B<br> A | Closed | FCRE8201 | 2025-11-18 16:23 | 2025-11-18 16:28 | Waived | 2 - Non-Material<br> C<br> B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted to allow no prepay penalty. Non-material waiver applied with comp factors. Deemed non-material due to multi unit with long term tenants, does not appear that borrower intends to flip.<br> - Due Diligence Vendor-11/18/2025 <br>Open-No prepayment on loan, all DSCR require a PPP. - Due Diligence Vendor-11/18/2025 |  | Waived-Originator exception granted to allow no prepay penalty. Non-material waiver applied with comp factors. Deemed non-material due to multi unit with long term tenants, does not appear that borrower intends to flip.<br> - Due Diligence Vendor-11/18/2025<br>| Months Reserves exceed minimum required - 153 months > 3 required<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.588 Required is 0.8 Borrower has 1.588<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 779 | FICO 20 points over min<br> Reserves 12+ months over min<br>| XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 6295685 |
| XXXX | 854725 | XXXX<br> D<br> A | Closed | FCOM1351 | 2025-11-21 09:10 | 2025-11-24 17:10 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received Guaranty Agreement - Due Diligence Vendor-11/24/2025 <br>Ready for Review-Document Uploaded. guaranty - Seller-11/21/2025 <br>Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. - Due Diligence Vendor-11/21/2025 | Ready for Review-Document Uploaded. guaranty - Seller-11/21/2025<br>| Resolved-Received Guaranty Agreement - Due Diligence Vendor-11/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 751<br>LTV is less than guideline maximum - Required is 80 Borrower has 60 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6338805 |
| XXXX | 856265 | XXXX<br> D<br> A | Closed | FCRE3653 | 2025-11-21 15:49 | 2025-11-25 13:31 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received acknowledgment of SP vs AV. - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Document Uploaded. LOE from borrower - Seller-11/24/2025 <br> Open-Sales price is XXXX and the appraised value is XXXX. The loan file is missing an acknowledgement from the borrower for the difference. Additional conditions my apply. - Due Diligence Vendor-11/21/2025 | Ready for Review-Document Uploaded. LOE from borrower - Seller-11/24/2025<br>| Resolved-Received acknowledgment of SP vs AV. - Due Diligence Vendor-11/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO is 700. Borrower's qualifying FICO is 756. Required is 700 Borrower has 756<br>Qualifying DTI below maximum allowed - Guideline minimum DTI is 50%. Borrower's DTI is 14.37%. Required is 50 Borrower has 14.37 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6347408 |
| XXXX | 856319 | XXXX<br> D<br> B<br> A | Closed | FCRE0969 | 2025-11-21 15:19 | 2025-11-25 15:05 | Resolved | 1 - Information<br> B<br> A | Credit | Closing | Prepayment Penalty Issue | Resolved-Received confirmation no Prepay. - Due Diligence Vendor-11/25/2025 <br> Ready for Review-it is permitted with no pre pay penalty - Seller-11/24/2025 <br> Open-XX loan held in LLC not allowed./ - Due Diligence Vendor-11/21/2025 | Ready for Review-it is permitted with no pre pay penalty - Seller-11/24/2025<br>| Resolved-Received confirmation no Prepay. - Due Diligence Vendor-11/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 779 Required is 700 Borrower has 779<br>LTV is less than guideline maximum - Required is 80 Borrower has 70 Required is 80 Borrower has 70 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6346931 |
| XXXX | 856319 | XXXX<br> D<br> B<br> A | Closed | FCRE0700 | 2025-11-19 14:41 | 2025-11-25 14:00 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received settlement statement. - Due Diligence Vendor-11/25/2025 <br>Ready for Review-Document Uploaded. settlement stmt - Seller-11/24/2025 <br>Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Missing Final CD/HUD - Due Diligence Vendor-11/21/2025 | Ready for Review-Document Uploaded. settlement stmt - Seller-11/24/2025<br>| Resolved-Received settlement statement. - Due Diligence Vendor-11/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 779 Required is 700 Borrower has 779<br>LTV is less than guideline maximum - Required is 80 Borrower has 70 Required is 80 Borrower has 70 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6310083 |
| XXXX | 856319 | XXXX<br> D<br> B<br> A | Closed | FCRE0140 | 2025-11-21 14:56 | 2025-11-21 15:20 | Waived | 2 - Non-Material<br> C<br> B | Credit | Eligibility | DSCR loan does not meet program guidelines | Waived-Originator exception granted to allow excess exposure, Non-material waiver applied with comp factors. non-material due to FICo - Due Diligence Vendor-11/21/2025 <br> Open-Exception in file for exposure over XXXX - Due Diligence Vendor-11/21/2025 |  | Waived-Originator exception granted to allow excess exposure, Non-material waiver applied with comp factors. non-material due to FICo - Due Diligence Vendor-11/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 779 Required is 700 Borrower has 779<br>LTV is less than guideline maximum - Required is 80 Borrower has 70 Required is 80 Borrower has 70 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 6346599 |
| XXXX | 856333 | XXXX<br> D<br> A | Closed | FCRE1506 | 2025-11-21 08:57 | 2025-11-24 14:53 | Resolved | 1 - Information<br> C<br> A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received PITIA validation and sufficient reserves verified. - Due Diligence Vendor-11/24/2025 <br>Ready for Review-Document Uploaded. Documentation for REO's - Seller-11/21/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing documentation of non-subject PITIA - Due Diligence Vendor-11/21/2025 | Ready for Review-Document Uploaded. Documentation for REO's - Seller-11/21/2025<br>| Resolved-Received PITIA validation and sufficient reserves verified. - Due Diligence Vendor-11/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 744<br>Qualifying DTI below maximum allowed - Required is 45 Borrower has 24.34 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6338620 |
| XXXX | 856333 | XXXX<br> D<br> A | Closed | FCRE1198 | 2025-11-21 10:25 | 2025-11-24 14:52 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Upon further review, the loan file contained all required asset documentation. - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. the borrower is not a FTHB. If you own ANY residential property you are not considered a FTHB<br>The 1003 reflects two properties.<br>XXXX – This property was disclosed on the application. The file contains the First Payment Letter for a new mortgage with XXXX. First payment letter in the file showing the first payment due on XXXX and a supplement in the file showing the loan was transferred to XXXX. This loan shows both XXXX. The Supplement was unchecked, and I am not sure why. This is the loan that the borrower co-signed for his son. I have attached the documents to this email.<br>XXXX– This property was disclosed on the application. There is an HOI with the borrower's name on it and an email from title to verify the property is Free & Clear.<br>XXXX – Subject purchase of a primary residence. The borrower is only required to have 3 months of reserves. Borrower's assets are XXXX in two bank accounts & based on the URLA lender screen he was required to provide XXXX in closing costs. The borrower had XXXX in liquid assets in XXXX accounts & XXXX gift EMD that was not deposited into the borrower's account but sent to the closing attorney. Using the balance of XXXX, the remaining funds to close for reserves is XXXX/PITI XXXX = 4 months.<br> - Seller-11/21/2025 <br> Open-Audited Reserves of 3.74 month(s) are less than Guideline Required Reserves of 6 month(s). Borrower has not owned a primary residence in the past 3 years and is thus, considered a FTHB. 6 mos reserves are required for FTHB - Due Diligence Vendor-11/21/2025 | Ready for Review-Document Uploaded. the borrower is not a FTHB. If you own ANY residential property you are not considered a FTHB<br>The 1003 reflects two properties.<br>XXXX – This property was disclosed on the application. The file contains the First Payment Letter for a new mortgage with XXXX. First payment letter in the file showing the first payment due on XXXX and a supplement in the file showing the loan was transferred to XXXX. This loan shows both XXXX. The Supplement was unchecked, and I am not sure why. This is the loan that the borrower co-signed for his XXXX. I have attached the documents to this email.<br>XXXX – This property was disclosed on the application. There is an HOI with the borrower's name on it and an email from title to verify the property is Free & Clear.<br>XXXX – Subject purchase of a primary residence. The borrower is only required to have 3 months of reserves. Borrower's assets are XXXX in two bank accounts & based on the URLA lender screen he was required to provide XXXX in closing costs. The borrower had XXXX in liquid assets in XXXX accounts & XXXX gift EMD that was not deposited into the borrower's account but sent to the closing attorney. Using the balance of XXXX, the remaining funds to close for reserves is XXXX/PITI XXXX = 4 months.<br> - Seller-11/21/2025<br>| Resolved-Upon further review, the loan file contained all required asset documentation. - Due Diligence Vendor-11/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 744<br>Qualifying DTI below maximum allowed - Required is 45 Borrower has 24.34 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6340064 |
| XXXX | 856333 | XXXX<br> D<br> A | Closed | FCRE0200 | 2025-11-21 10:22 | 2025-11-24 14:37 | Resolved | 1 - Information<br> C<br> A | Credit | Debt | Missing proof of liability not disclosed on credit report | Resolved-Received clarification the cosigned is for property and documented within file. - Due Diligence Vendor-11/24/2025 <br> Ready for Review-The XXXX house is on the 1003 and counted in DTI– XXXX Is the address - Seller-11/21/2025 <br> Open-1003 declaration XX indicates borrower is not a co-signer but per credit lox an inquiry was made for a mortgage that is being co-signed for the borrower XXXX Contingent liability applies, and the debt must be included in the underwriting analysis.<br> - Due Diligence Vendor-11/21/2025 | Ready for Review-The XXXX house is on the 1003 and counted in DTI– XXXX Is the address - Seller-11/21/2025<br>| Resolved-Received clarification the cosigned is for property and documented within file. - Due Diligence Vendor-11/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 744<br>Qualifying DTI below maximum allowed - Required is 45 Borrower has 24.34 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6340031 |
| XXXX | 856333 | XXXX<br> D<br> A | Closed | FCRE7497 | 2025-11-21 08:40 | 2025-11-24 14:35 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received re taxes and HOI. - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. Please see enclosed XXXX has no mortgage... it is a multi family home and has no HOA fees - Seller-11/21/2025 <br> Open-\*missing verification that the credit report payment for REO XX is escrowed and there is not HOA fee.<br> \*missing verification that REO XX has no HOA fee. - Due Diligence Vendor-11/21/2025 | Ready for Review-Document Uploaded. Please see enclosed XXXX has no mortgage... it is a multi family home and has no HOA fees - Seller-11/21/2025<br>| Resolved-Received re taxes and HOI. - Due Diligence Vendor-11/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 744<br>Qualifying DTI below maximum allowed - Required is 45 Borrower has 24.34 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6338374 |
| XXXX | 856606 | XXXX<br> B<br> A | Closed | FCRE8201 | 2025-11-21 09:17 | 2025-11-21 15:11 | Waived | 2 - Non-Material<br> B | Credit | Eligibility | Loan does not conform to program guidelines | Waived--Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-11/21/2025 <br> Open-Exception Approved: Exception request for verified housing history for XXXX. Borrowers purchased residence XXXX and are not able to verify prior history with VOR + rent checks (rent was paid cash) will have 2 months mtg payments on primary verified by the time of closing for subject loan. Non-Material, Overlay, No Pricing Hit, - Due Diligence Vendor-11/21/2025 |  | Waived--Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-11/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 760 Required is 700 Borrower has 760<br>LTV is less than guideline maximum - Required is 75 Borrower has 67.57 Required is 75 Borrower has 67.57<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.246 Required is 0.8 Borrower has 1.246 | -Loan To Value 10% or more under requirement<br> - FICO 20 points or more above requirement<br> - Reserves 12+ months more than requirement | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 6338924 |
| XXXX | 857326 | XXXX<br> C<br> A | Closed | FCRE1498 | 2025-11-24 08:47 | 2025-12-05 10:47 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | Borrower Rental Experience Insufficient per Guidelines (DSCR) | Resolved-Received recording endorsement. - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. enclosed please find the cover page from the recorded mortgage on this property... showing the LLC and the date in XXXX - Seller-11/25/2025 <br> Counter-Received bylaws and mortgage statement for investment property-missing validation of ownership of investment property over 1 year. - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Document Uploaded. our 1003 showed a property in the REO section... i have enclosed the mortgage stmt that was in our file and the by-laws showing the borrower as a member of the LLC owning that property - Seller-11/24/2025 <br> Open-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) FTHB lives rent free, not eligible for DSCR program, only primary home residence purchase is allowed. - Due Diligence Vendor-11/24/2025 | Ready for Review-Document Uploaded. enclosed please find the cover page from the recorded mortgage on this property... showing the LLC and the date in XXXX - Seller-11/25/2025 <br> Ready for Review-Document Uploaded. our 1003 showed a property in the REO section... i have enclosed the mortgage stmt that was in our file and the by-laws showing the borrower as a member of the LLC owning that property - Seller-11/24/2025<br>| Resolved-Received recording endorsement. - Due Diligence Vendor-12/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 700, borrower FICO 761 Required is 700 Borrower has 761<br>Months Reserves exceed minimum required - 12 months reserves > 6 required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6360221 |
| XXXX | 857693 | XXXX<br> B<br> A | Closed | FCRE1321 | 2025-11-21 11:06 | 2025-11-23 12:41 | Waived | 2 - Non-Material<br> B | Credit | Missing Doc | Missing attorney opinion letter/trust review documentation | Waived-Originator exception granted to allow for - exception to waive atty opinion letter. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-11/23/2025 <br>Open-Approved Lender Exception on file to waive Attorney Opinion Letter. - Due Diligence Vendor-11/21/2025 |  | Waived-Originator exception granted to allow for - exception to waive atty opinion letter. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-11/23/2025<br>| Months Reserves exceed minimum required - 47.98 mths reserves; 3 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 751 Required is 680 Borrower has 751 | FICO 20 points or more above requirement | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 6340917 |
| XXXX | 857729 | XXXX<br> D<br> B<br> A | Closed | FCRE1201 | 2025-11-21 10:35 | 2025-11-26 13:53 | Resolved | 1 - Information<br> D<br> A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Third Party Fraud Report. - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. fraud report - Seller-11/24/2025 <br> Open-Missing Third Party Fraud Report Third party fraud reports is required including all parties being checked through XXXX and exclusionary list - Due Diligence Vendor-11/21/2025 | Ready for Review-Document Uploaded. fraud report - Seller-11/24/2025<br>| Resolved-Received Third Party Fraud Report. - Due Diligence Vendor-11/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 751 Required is 680 Borrower has 751 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6340318 |
| XXXX | 857729 | XXXX<br> D<br> B<br> A | Closed | FCRE1321 | 2025-11-21 09:19 | 2025-11-24 11:00 | Waived | 2 - Non-Material<br> D<br> B | Credit | Missing Doc | Missing attorney opinion letter/trust review documentation | Waived-Originator exception granted to allow waive attorney sopinion letter, Non-material waiver applied with comp factors. non-material due to Fico > 20 points - Due Diligence Vendor-11/24/2025 <br>Open-Missing Attorney Opinion Letter, attesting that the borrowing LLC meets requirements. Lender exception in file. - Due Diligence Vendor-11/21/2025 |  | Waived-Originator exception granted to allow waive attorney sopinion letter, Non-material waiver applied with comp factors. non-material due to Fico > 20 points - Due Diligence Vendor-11/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 751 Required is 680 Borrower has 751 | \*FICO 20 points or more above requirement.  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 6338954 |
| XXXX | 857872 | XXXX<br> C<br> B<br> A | Closed | FCRE8201 | 2025-11-21 12:35 | 2025-11-24 12:38 | Waived | 2 - Non-Material<br> C<br> B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted to allow first time homebuyer. Non-material waiver applied with comp factors. Deemed non-material due to although has not owned a primary, borrower owns commercial property. - Due Diligence Vendor-11/24/2025 <br>Open-First time homebuyer buying investment property. - Due Diligence Vendor-11/21/2025 |  | Waived-Originator exception granted to allow first time homebuyer. Non-material waiver applied with comp factors. Deemed non-material due to although has not owned a primary, borrower owns commercial property. - Due Diligence Vendor-11/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 740<br> Qualifying DTI below maximum allowed - Required is 50 Borrower has 17.8<br> Verified employment history exceeds guidelines - 14 years same business<br> Residual Income =/> 1.5 times XXXX monthly residual income - Residual Income over XXXX |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 6343897 |
| XXXX | 858952 | XXXX<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 859260 | XXXX<br> C<br> B<br> A | Closed | FCRE5778 | 2025-11-25 11:55 | 2025-12-01 17:21 | Waived | 2 - Non-Material<br> C<br> B | Credit | Eligibility | Borrower 1 Credit Report is Expired | Waived-Received post close report, data updated accordingly - Due Diligence Vendor-12/01/2025 <br>Counter-Received Credit report dated after Note date. Finding remains. - Due Diligence Vendor-12/01/2025 <br>Ready for Review-Document Uploaded. Updated credit - Seller-11/26/2025 <br>Open-Borrower 1 Credit Report is Expired (Greater than 120 days from the Closing Date). Credit is > 12 0 days from closing. - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. Updated credit - Seller-11/26/2025<br>| Waived-Received post close report, data updated accordingly - Due Diligence Vendor-12/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 781 Required is 660 Borrower has 781<br>LTV is less than guideline maximum - Required is 80 Borrower has 57.98 Required is 80 Borrower has 57.98 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | Originator Post-Close | No | 6385121 |
| XXXX | 859260 | XXXX<br> C<br> B<br> A | Closed | FCRE1510 | 2025-11-23 11:50 | 2025-12-01 15:42 | Resolved | 1 - Information<br> C<br> A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Legal provided - Due Diligence Vendor-12/01/2025 <br>Counter-Legal included from title. Confirm legal recorded with Deed of Trust. - Due Diligence Vendor-12/01/2025 <br>Ready for Review-Document Uploaded. mortgage with legal showing - Seller-11/26/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing legal - Due Diligence Vendor-11/23/2025 | Ready for Review-Document Uploaded. mortgage with legal showing - Seller-11/26/2025<br>| Resolved-Legal provided - Due Diligence Vendor-12/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 781 Required is 660 Borrower has 781<br>LTV is less than guideline maximum - Required is 80 Borrower has 57.98 Required is 80 Borrower has 57.98 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 6356308 |
| XXXX | 859940 | XXXX<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 863757 | XXXX<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 863822 | XXXX<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 864435 | XXXX<br> C<br> A | Closed | FCRE1455 | 2025-12-02 13:32 | 2025-12-04 15:34 | Resolved | 1 - Information<br> C<br> A | Credit | Assets | Asset 1 Less Than 2 Months Verified | Resolved-Received VOD - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. assets showing more than 1 month - Seller-12/03/2025 <br>Open-Asset 1 Less Than 2 Months Verified - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. assets showing more than 1 month - Seller-12/03/2025<br>| Resolved-Received VOD - Due Diligence Vendor-12/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 766<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 26.13 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6451313 |
| XXXX | 864443 | XXXX<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 864446 | XXXX<br> C<br> B<br> A | Closed | FCRE5778 | 2025-12-02 17:32 | 2025-12-04 15:27 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | Borrower 1 Credit Report is Expired | Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-12/04/2025 <br>Ready for Review-doc expiration date is 120 days (not 90 days) - Seller-12/03/2025 <br>Open-Credit report has expired, greater than 90 days - Due Diligence Vendor-12/02/2025 | Ready for Review-doc expiration date is 120 days (not 90 days) - Seller-12/03/2025<br>| Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-12/04/2025<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 779<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 1.567 Required is 0.8 Borrower has 1.567 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6455905 |
| XXXX | 864446 | XXXX<br> C<br> B<br> A | Closed | FCRE0140 | 2025-12-02 15:57 | 2025-12-02 17:41 | Waived | 2 - Non-Material<br> C<br> B | Credit | Eligibility | DSCR loan does not meet program guidelines | Waived-Originator waiver applied to non-material finding with compensating factors- to waive attorney opinion letter - Due Diligence Vendor-12/02/2025 <br>Open-Exception to waive atty opinion letter - Due Diligence Vendor-12/02/2025 |  | Waived-Originator waiver applied to non-material finding with compensating factors- to waive attorney opinion letter - Due Diligence Vendor-12/02/2025<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 779<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 1.567 Required is 0.8 Borrower has 1.567 | FICO 20+ points above min requirement<br> Reserves are greater than 12 months guideline required<br> Long term employment of over 5+ years<br> DSCR is greater than 1.25 or higher<br>| XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 6454532 |
| XXXX | 864446 | XXXX<br> C<br> B<br> A | Closed | FCRE8201 | 2025-12-02 15:56 | 2025-12-02 17:40 | Waived | 2 - Non-Material<br> C<br> B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator applied to non-material finding with compensating factors- to allow XXXX exposure. - Due Diligence Vendor-12/02/2025 <br> Open-Exception for exposure over XXXX - Due Diligence Vendor-12/02/2025 |  | Waived-Originator applied to non-material finding with compensating factors- to allow XXXX exposure. - Due Diligence Vendor-12/02/2025<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 779<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR is 1.567 Required is 0.8 Borrower has 1.567 | FICO 20+ points above min requirement<br> Reserves are greater than 12 months guideline required<br> Long term employment of over 5+ years<br> DSCR is greater than 1.25 or higher<br>| XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 6454527 |
| XXXX | 867030 | XXXX<br> C<br> A | Closed | FCRE0075 | 2025-11-26 15:26 | 2025-12-05 10:01 | Resolved | 1 - Information<br> C<br> A | Credit | Eligibility | CoSignor or Guarantor is on debt or a loan not in this application according to the 1003 Declaration | Resolved-Received confirmation the debt was included in the DTI. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. The borrower has a loan with another person with XXXX which is listed as an investment property on the application - Seller-12/03/2025 <br> Open-CoSignor or Guarantor is on debt or a loan not in this application according to the 1003 Declaration. - Provide verification of debt or a loan not in this application according to the 1003 Declaration. - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. The borrower has a loan with another person with XXXX which is listed as an investment property on the application - Seller-12/03/2025<br>| Resolved-Received confirmation the debt was included in the DTI. - Due Diligence Vendor-12/05/2025<br>| LTV is less than guideline maximum - Required is 85 Borrower has 80 Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 6.11 Required is 50 Borrower has 6.11<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 728 Required is 680 Borrower has 728 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6407976 |
| XXXX | 867411 | XXXX<br> A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |

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## Exhibit 99.33

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | 724312 | XXXX | XXXX | Number of Units | propertyValuationPage | 1 | 2 | Per appraisal SFR with ADU |
| XXXX | 724312 | XXXX | XXXX | Borrower 1 Qualifying Income | employmentIncomePage | XXXX | XXXX | Audit calculated lower income. |
| XXXX | 724312 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 0 | 0.3996 | Not a DSCR loan |
| XXXX | 748090 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 52.83 | 48.93 | XXXX did not include the new HELOC payment into the DTI. |
| XXXX | 764459 | XXXX | XXXX | Total Qualifying Income | employmentIncomePage | XXXX | XXXX | Audit includes positive rental income |
| XXXX | 764459 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.72 | 43.03 | Audit calculated positive REO income |
| XXXX | 774601 | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | 724 | 712 | Per Credit Report in file |
| XXXX | 780179 | XXXX | XXXX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | per appraisal. |
| XXXX | 785140 | XXXX | XXXX | Property Type | propertyValuationPage | Single Family Detached | PUD | per appraisal, subject is a SFR/detached. |
| XXXX | 796590 | XXXX | XXXX | Final Reviewed QM Status | diligenceFinalLookPage | QM: Average Prime Offer Rate (APOR) | ATR/QM: Exempt | Subject is a primary residence |
| XXXX | 796591 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 0 | 0.67 | Not DSCR. |
| XXXX | 809657 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.166 | 1.13 | PITIA / Market Rent.  |
| XXXX | 811762 | XXXX | XXXX | Date Last Rate Was Set | tridLePageRevised | XXXX | XXXX | Per Initial LE |
| XXXX | 811762 | XXXX | XXXX | Final Reviewed QM Status | diligenceFinalLookPage | QM: Average Prime Offer Rate (APOR) | ATR/QM: Exempt | subject is a primary residence |
| XXXX | 812944 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | 4 Units | Per appraisal |
| XXXX | 843926 | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | Per 1008 and DSCR calculator |
| XXXX | 843926 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| XXXX | 843926 | XXXX | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | Per 1003 |
| XXXX | 843926 | XXXX | XXXX | B1 Country Name | the1003Page | XXXX | XXXX | Per Note |
| XXXX | 849590 | XXXX | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | per Appraisal |
| XXXX | 851102 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 4 | 1.0 | Per credit report/supps |
| XXXX | 851133 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 5 | 1.0 | per 1003 and Credit Report |
| XXXX | 851821 | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | Per 1008 in file |
| XXXX | 851821 | XXXX | XXXX | Borrower 1 How was title held? | the1003Page | Not Provided | Jointly | Per 1003 in file |
| XXXX | 854381 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 2 | 1.0 | Per 1003 |
| XXXX | 854665 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 10 | 1.0 | Per exception in file |
| XXXX | 854725 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 13 | 1.0 | Per Final 1003 and credit report |
| XXXX | 856265 | XXXX | XXXX | B1 Country Name | the1003Page | XXXX | XXXX | Per 1003 |
| XXXX | 856265 | XXXX | XXXX | Sales Price | propertyValuationPage | XXXX | XXXX | Per Contract and Final CD |
| XXXX | 856265 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | No other lien. Tape reflects subject loan amount |
| XXXX | 856265 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 2 | 1.0 | Per 1003 |
| XXXX | 857326 | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | DSCR per 1008 |
| XXXX | 857693 | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | per 1008 |
| XXXX | 857729 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | No other liens |
| XXXX | 857729 | XXXX | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | Per appraisal  |
| XXXX | 857729 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 2 | 1.0 | subject plus primary |
| XXXX | 857872 | XXXX | XXXX | Interest Only Flag | notePage | Yes | true | per note |
| XXXX | 859940 | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | Per 1003 |
| XXXX | 859940 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 |
| XXXX | 863757 | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | per 1008 |
| XXXX | 863822 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| XXXX | 863822 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 6 | 1.0 | Per 1003, credit report |
| XXXX | 864443 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |

---

## Exhibit 99.34

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Redaction 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 | 665918 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 5400 | Appraisal - 1007 |  | N/A |  |  | 5400 | Appraisal - 1007 | No | 180.16 |  | 0 | 9728.61 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 5400 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 12.79 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 689673 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2300 | Appraisal - 1007 |  | N/A |  |  | 2300 | Appraisal - 1007 | No | 110.92 | 0.9 | 0.902 | 2551.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX | 97264 | 2300 |  |  |  |  |  |  |  | No | 0.2 | 1 | 1 | N/A | 34.17 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 724312 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | Yes | 3960 | 2300 | Appraisal - 1007 |  | N/A |  |  | 3960 | Actual In Place Rent | No | 145.17 | 0.3996 | 0 | 5748.78 | 3960 | 09-30-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3960 |  |  |  |  |  |  |  | No | 6.0 | 1 | 1 | N/A | 47.78 | No | XXXX | Revocable Trust | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 732273 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 5300 | Appraisal - 1007 |  | N/A |  |  | 5300 | Appraisal - 1007 | No | 117.8 | 0.84 | 0.849 | 6243.36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 5300 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 74.43 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 741092 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 5000 | Appraisal - 1025 |  | N/A |  |  | 5000 | Appraisal - 1025 | No | 70.73 | 1.414 | 1.414 | 3536.25 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 5000 |  |  |  |  |  |  |  | No | 0.2 | 7 | 1 | N/A | 47.06 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 774601 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4500 | 4500 | Appraisal - 1007 |  | N/A |  |  | 4500 | Appraisal - 1007 | No | 95.38 | 1.048 | 1.048 | 4292.23 | 4500 | 01-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 4500 |  |  |  |  |  |  |  | No | 11.3 | 1 | 1 | N/A | 24.86 | No | XXXX | Revocable Trust | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 774602 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2315 | 2250 | Appraisal - 1007 |  | N/A |  |  | 2250 | Appraisal - 1007 | No | 94.54 | 1.05 | 1.058 | 2127.06 | 2315 | 09-15-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 2250 |  |  |  |  |  |  |  | No | 4.4 | 1 | 1 | N/A | 14.96 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | 774898 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 4595 | Appraisal - 1025 |  | N/A |  |  | 4595 | Appraisal - 1025 | No | 99.56 | 1.0 | 1.004 | 4574.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 4595 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 84.49 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 775578 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 3500 | Appraisal - 1025 |  | N/A |  |  | 3500 | Appraisal - 1025 | No | 208.54 | 0.5 | 0 | 7298.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 3500 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 74.11 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 775579 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 4400 | Appraisal - 1007 |  | N/A |  |  | 4400 | Appraisal - 1007 | No | 95.01 | 1.02 | 1.052 | 4180.6 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | XXXX | 0 | 4400 |  |  |  |  |  |  |  | No | 2.0 | 1 | 1 | N/A | 62.97 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 778760 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2900 | Appraisal - 1007 |  | N/A |  |  | 2900 | Appraisal - 1007 | No | 93.09 | 1.07 | 1.074 | 2699.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2900 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 47.58 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 778761 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 7100 | 10000 | Appraisal - 1025 |  | N/A |  |  | 7100 | Actual In Place Rent | No | 88.08 | 1.13 | 1.135 | 6253.91 | 1700 | 09-17-2025 | 1 | 1700 | 09-17-2025 | 1 | 1700 | 09-17-2025 | 1 | 2000 | 09-17-2025 | 1 |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 7100 |  |  |  |  |  |  |  | No | 3.9 | 1 | 1 | N/A | 12.43 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 780179 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2200 | Appraisal - 1007 |  | N/A |  |  | 2200 | Appraisal - 1007 | No | 63.63 | 1.57 | 1.572 | 1399.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2200 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 11.2 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 782695 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1450 | Appraisal - 1007 |  | N/A |  |  | 1450 | Appraisal - 1007 | No | 90.49 | 1.1 | 1.105 | 1312.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 1450 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 14.8 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 787567 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3600 | Appraisal - 1007 |  | N/A |  |  | 3600 | Appraisal - 1007 | No | 97.05 | 1.03 | 1.03 | 3493.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 3600 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 145.87 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse |  |
| XXXX | 788064 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4300 | 4350 | Appraisal - 1007 |  | N/A |  |  | 4350 | Appraisal - 1007 | No | 81.28 | 1.21 | 1.23 | 3535.49 | 2200 | 09-24-2025 | 1 | 2100 | 09-24-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 4350 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 3.24 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 790835 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1900 | 1900 | Appraisal - 1007 |  | N/A |  |  | 1900 | Actual In Place Rent | No | 78.48 | 1.27 | 1.274 | 1491.11 | 1900 | 09-26-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1900 |  |  |  |  |  |  |  | No | 5.2 | 1 | 1 | N/A | 54.7 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 793262 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3800 | Appraisal - 1007 |  | N/A |  |  | 3800 | Appraisal - 1007 | No | 99.83 | 1.0 | 1.002 | 3793.45 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 3800 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 91.08 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 793623 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4999 | 5800 | Appraisal - 1007 |  | N/A |  |  | 4999 | Actual In Place Rent | No | 89.49 | 1.11 | 1.117 | 4473.42 | 4999 | 09-25-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 4999 |  |  |  |  |  |  |  | No | 3.1 | 1 | 1 | N/A | 47.96 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 793624 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3800 | Appraisal - 1007 |  | N/A |  |  | 3800 | Appraisal - 1007 | No | 72.96 | 1.37 | 1.371 | 2772.44 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3800 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 5.99 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 796591 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 3265 | Appraisal - 1007 |  | N/A |  |  | 3265 | Appraisal - 1007 | No | 113.52 | 0.67 | 0 | 3706.48 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 3265 |  |  |  |  |  |  |  | No | 4.4 | 1 | 1 | N/A | 26.97 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 803185 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 5000 | 4230 | Appraisal - 1007 |  | N/A |  |  | 4230 | Appraisal - 1007 | No | 96.51 | 1.03 | 1.036 | 4082.37 | 5000 | 04-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 4230 |  |  |  |  |  |  |  | No | 3.2 | 1 | 1 | N/A | 14.45 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 805543 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 4090 | Appraisal - 1007 |  | N/A |  |  | 4090 | Appraisal - 1007 | No | 77.51 | 1.28 | 1.29 | 3170.35 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 4090 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 37.94 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 805544 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 9600 | Appraisal - 1025 |  | N/A |  |  | 9600 | Appraisal - 1025 | No | 78.77 | 1.26 | 1.27 | 7561.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 9600 |  |  |  |  |  |  |  | No | 0.0 | 2 | 1 | N/A | 20.96 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 805693 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 4650 | Appraisal - 1007 |  | N/A |  |  | 4650 | Appraisal - 1007 | No | 128.68 | 0.77 | 0.777 | 5983.56 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 4650 |  |  |  |  |  |  |  | No | 1.8 | 1 | 1 | N/A | 7.91 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 807093 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 6260 | 7525 | Appraisal - 1025 |  | N/A |  |  | 6260 | Actual In Place Rent | No | 93.06 | 1.07 | 1.075 | 5825.33 | 1535 | 10-02-2025 | 1 | 1775 | 10-02-2025 | 1 | 1500 | 10-02-2025 | 1 | 1450 | 10-02-2025 | 1 |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 6260 |  |  |  |  |  |  |  | No | 8.3 | 1 | 1 | N/A | 10.14 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 807094 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2310 | Appraisal - 1007 |  | N/A |  |  | 2310 | Appraisal - 1007 | No | 95.64 | 1.04 | 1.046 | 2209.38 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2310 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 14.98 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 807096 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 5300 | Appraisal - 1007 |  | N/A |  |  | 5300 | Appraisal - 1007 | No | 70.53 | 1.41 | 1.418 | 3737.84 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 5300 |  |  |  |  |  |  |  | No | 2.9 | 1 | 1 | N/A | 107.15 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 809575 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4600 | 2500 | Appraisal - 1007 |  | N/A |  |  | 4600 | Actual In Place Rent | No | 71.5 | 1.399 | 1.399 | 3289.11 | 4600 | 10-10-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 4600 |  |  |  |  |  |  |  | No | 0.2 | 2 | 1 | N/A | 15.79 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 809657 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 13500 | 13500 | Appraisal - 1007 |  | N/A |  |  | 13500 | Appraisal - 1007 | No | 85.78 | 1.13 | 1.166 | 11580.03 | 6000 | 10-07-2025 | 1 | 7500 | 02-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 13500 |  |  |  |  |  |  |  | No | 2.1 | 1 | 1 | N/A | 45.29 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 812944 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 9895 | 15000 | Appraisal - 1025 |  | N/A |  |  | 9895 | Actual In Place Rent | No | 87.57 | 1.14 | 1.142 | 8665.51 | 3270 | 10-07-2025 | 1 | 1975 | 10-07-2025 | 1 | 2300 | 10-07-2025 | 1 | 2350 | 10-07-2025 | 1 |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 9895 |  |  |  |  |  |  |  | No | 1.9 | 1 | 1 | N/A | 51.08 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 829110 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2700 | 2700 | Appraisal - 1007 |  | N/A |  |  | 2700 | Appraisal - 1007 | No | 121.19 | 0.82 | 0.825 | 3272.02 | 2700 | 07-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2700 |  |  |  |  |  |  |  | No | 0.2 | 1 | 1 | N/A | 101.74 | No | XXXX | Revocable Trust | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 843926 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3250 | Appraisal - 1007 |  | N/A |  |  | 3250 | Appraisal - 1007 | No | 74.41 | 1.24 | 1.344 | 2418.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 3250 |  |  |  |  |  |  |  | No | 2.9 | 1 | 1 | N/A | 85.39 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 849590 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2640 | 2700 | Appraisal - 1007 |  | N/A |  |  | 2640 | Actual In Place Rent | No | 96.88 | 1.04 | 1.032 | 2557.67 | 2640 | 08-15-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 2640 |  |  |  |  |  |  |  | No | 2.8 | 1 | 1 | N/A | 82.41 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 851085 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 7100 | Appraisal - 1025 |  | N/A |  |  | 7100 | Appraisal - 1025 | No | 72.54 | 1.37 | 1.378 | 5150.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX |  | 7100 |  |  |  |  |  |  |  | No | 0.6 | 1 | 1 | N/A | 7.35 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 851102 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 5800 | Appraisal - 1007 |  | N/A |  |  | 5800 | Appraisal - 1007 | No | 53.28 | 1.8 | 1.877 | 3090.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 5800 |  |  |  |  |  |  |  | No | 0.6 | 2 | 1 | N/A | 30.85 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 851133 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 4400 | Appraisal - 1007 |  | N/A |  |  | 4400 | Appraisal - 1007 | No | 98.65 | 1.01 | 1.014 | 4340.72 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 4400 |  |  |  |  |  |  |  | No | 51.3 | 1 | 1 | N/A | 79.26 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 851821 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 7350 | Appraisal - 1007 |  | N/A |  |  | 7350 | Appraisal - 1007 | No | 82.61 | 1.21 | 1.211 | 6071.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 7350 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 129.08 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX |
| XXXX | 854665 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 6900 | Appraisal - 1007 |  | N/A |  |  | 6900 | Appraisal - 1007 | No | 62.99 | 1.58 | 1.588 | 4346.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 6900 |  |  |  |  |  |  |  | No | 0.0 | 10 | 1 | N/A | 153.06 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 854725 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 8750 | Appraisal - 1007 |  | N/A |  |  | 8750 | Appraisal - 1007 | No | 88 |  | 0 | 7699.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 8750 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 20.3 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 856265 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 2850 | Appraisal - 1007 |  | N/A |  |  | 2850 | Appraisal - 1007 | No | 133.22 |  | 0 | 3796.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2850 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 20.36 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 856319 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4500 | 7200 | Appraisal - 1025 |  | N/A |  |  | 7200 | Appraisal - 1025 | No | 63.79 | 1.56 | 1.568 | 4592.62 | 0 | 11-10-2025 | 0 | 2400 | 03-31-2026 | 12 | 2100 | 06-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XXXX | 0 | 7200 |  |  |  |  |  |  |  | No | 0.9 | 1 | 1 | N/A | 168.8 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 856606 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3000 | Appraisal - 1007 |  | N/A |  |  | 3000 | Appraisal - 1007 | No | 80.25 | 1.2 | 1.246 | 2407.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 3000 |  |  |  |  |  |  |  | No | 5.2 | 1 | 1 | N/A | 100.69 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXXX | 857326 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 6500 | Appraisal - 1007 |  | N/A |  |  | 6500 | Appraisal - 1007 | No | 86.85 | 1.14 | 1.151 | 5645.49 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 6500 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 12.27 | Yes | XXXX | Corporation | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 857693 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2900 | Appraisal - 1025 |  | N/A |  |  | 2900 | Appraisal - 1025 | No | 67.42 | 1.48 | 1.483 | 1955.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2900 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 47.98 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 857729 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2900 | Appraisal - 1025 |  | N/A |  |  | 2900 | Appraisal - 1025 | No | 71.38 | 1.4 | 1.401 | 2070.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2900 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 42.44 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 857872 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 4500 | Appraisal - 1007 |  | N/A |  |  | 4500 | Appraisal - 1007 | No | 105.96 |  | 0 | 4768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 4500 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 12.84 | Yes | XXXX | Corporation | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 858952 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 2850 | Appraisal - 1007 |  | N/A |  |  | 2850 | Appraisal - 1007 | No | 143.95 |  | 0 | 4102.46 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2850 |  |  |  |  |  |  |  | No | 1.1 | 1 | 1 | N/A | 3.86 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 859940 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 10465 | 10300 | Appraisal - 1007 |  | N/A |  |  | 10300 | Appraisal - 1007 | No | 44.41 | 2.25 | 1.675 | 4574.01 | 3390 | 04-30-2026 | 12 | 3469 | 12-31-2025 | 12 | 3606 | 01-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 10300 |  |  |  |  |  |  |  | No | 7.1 | 1 | 1 | N/A | 157.39 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 863757 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 7000 | Appraisal - 1007 |  | N/A |  |  | 7000 | Appraisal - 1007 | No | 79.1 | 1.26 | 1.271 | 5537.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 7000 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 35.72 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 863822 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 8300 | Appraisal - 1025 |  | N/A |  |  | 8300 | Appraisal - 1025 | No | 47.85 | 1.84 | 2.09 | 3971.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 8300 |  |  |  |  |  |  |  | No | 1.7 | 1 | 1 | N/A | 22.93 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 864435 | XXXX | XXXX | XXXX | 2YR Full Doc | Present | No | 0 | 4100 | Appraisal - 1007 |  | N/A |  |  | 4100 | Appraisal - 1007 | No | 20.18 |  | 0 | 827.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 4100 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 20743.56 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 864443 | XXXX | XXXX | XXXX | 2YR Full Doc | Present | No | 0 | 2500 | Appraisal - 1007 |  | N/A |  |  | 2500 | Appraisal - 1007 | No | 201.98 |  | 0 | 5049.61 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 2500 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 3432.05 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 864446 | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 7600 | Appraisal - 1007 |  | N/A |  |  | 7600 | Appraisal - 1007 | No | 63.82 | 1.56 | 1.567 | 4850.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 7600 |  |  |  |  |  |  |  | No | 0.2 | 1 | 1 | N/A | 160.36 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX |
| XXXX | 867411 | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 8600 | Appraisal - 1007 |  | N/A |  |  | 8600 | Appraisal - 1007 | No | 53.17 |  | 0 | 4572.79 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 8600 |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 | N/A | 94.81 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |

---

## Exhibit 99.35

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXXX | 665918 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | 49651.89 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 689673 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 724312 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 15501.85 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 732273 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 741092 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 748090 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 9044.61 | 7.261 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15821.05 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 754669 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9987 | 8.127 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13008.77 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 764459 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 7087.56 | 8.885 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5617.19 | Yes | Employed |  | No |  | No |  |
| XXXX | 774601 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 774602 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 774898 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 775578 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 15161.13 | N/A | Employed | Employed | No | No | Yes | Present |
| XXXX | 775579 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 778760 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 778761 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 780179 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 782695 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 783882 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8685 | 6.946 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9988.91 | N/A | Employed |  | No |  | No |  |
| XXXX | 785139 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12290 | 7.08 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | N/A | N/A | 10666.38 | Yes | Employed |  | No |  | No |  |
| XXXX | 785140 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 18400 | 7.11 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 34340.96 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 787567 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 788064 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 790835 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 793260 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 12595 | 7.219 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 63192.61 | N/A | Not Employed | Employed | No | No | No |  |
| XXXX | 793262 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 793623 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 793624 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 796590 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3307.5 | 6.803 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 80552.84 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | 796591 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 35527.15 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 798113 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 12720 | 6.829 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 1992295.16 | Yes | Employed |  | No |  | No |  |
| XXXX | 803185 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 804532 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 14195 | 7.223 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10706.14 | Yes | Employed |  | No |  | No |  |
| XXXX | 805543 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 805544 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 805693 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 807093 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 807094 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 807096 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 809575 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 809657 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 811762 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5115 | 7.035 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3122.67 | No | Employed |  | No |  | No |  |
| XXXX | 812944 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 829110 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 843926 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 849590 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 851085 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 851102 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 851133 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 851821 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 854381 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1590 | 7.031 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 147201.09 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | 854665 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 854725 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 77509.76 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 856265 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 62989.1 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 856319 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 856333 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1590 | 6.784 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 43022.88 | Yes | Employed |  | No |  | No |  |
| XXXX | 856606 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 857326 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 857693 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 857729 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 857872 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | N/A | N/A | Yes | N/A | N/A | 68437.12 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 858952 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | 118873.92 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 859260 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1590 | 6.524 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 11716.62 | Yes | Employed |  | No |  | No |  |
| XXXX | 859940 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 863757 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 863822 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 864435 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | N/A | N/A | Yes | Yes | N/A | 173126.08 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 864443 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 179583.24 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 864446 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 867030 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1590 | 6.939 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 146665.47 | Yes | Employed |  | No |  | No |  |
| XXXX | 867411 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | 11535.26 | Yes | Employed |  | No |  | Yes | Present |

---

## Exhibit 99.36

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

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

Aspire Sponsor, LLC (the "Aspire Sponsor") Aspire Depositor, LLC (the "Depositor") One Belvedere Place, Suite 330, Mill Valley, California 94941 9 February 2026

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| | |
|:---|:---|
| **Re:** | **Aspire Mortgage Trust 2026-1 (the "Issuing Entity")<br> Mortgage Pass-Through Certificates, Series 2026-1 (the "Certificates")<br> Sample Mortgage Loan Agreed-Upon Procedures** |

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. An electronic data file labeled "SPIRE 2026-1 Tape (EY, 2026.01.21).xlsx" and the corresponding record layout and decode information, as applicable (the "Preliminary Data File"), that the Aspire Sponsor, on behalf of the Depositor,
 indicated contains information as of 1 February 2026 (the "Cut-off Date") relating to certain mortgage loans (the "Preliminary Mortgage Loans"), certain of which are expected to be representative of the Mortgage Loans,

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| | |
|:---|:---|
| ![](ey_logo.jpg) <br>| Page 2 of 3 |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Imaged copies of the following items (collectively, the "Source Documents"):

<br> i. Promissory note (the "Note"),

<br> ii. Credit report (the "Credit Report"),

<br> iii. Loan application and occupancy affidavit (collectively and as applicable, the "Application"),

<br> iv. Underwriting summary and/or conditional underwriting approval (collectively and as applicable, the "Underwriting Summary"),

<br> v. Appraisal report (the "Appraisal") and

<br> vi. Settlement statement or closing disclosure (collectively and as applicable, the "Settlement Statement")

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Instructions, assumptions and methodologies, which are described in Attachment A.

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Making any findings with respect to:

<br> i. Whether the origination of the Mortgage Loans conformed to, or deviated from, stated underwriting or credit extension guidelines, standards, criteria, or other requirements,

<br> ii. The value of the collateral securing the Mortgage Loans,

<br> iii. Whether the originator(s) of the Mortgage Loans complied with federal, state or local laws or regulations or

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

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

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

/s/ Ernst & Young LLP

9 February 2026

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

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**

#### <br>

#### Procedures performed and our associated findings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. As instructed by the Aspire Sponsor, on behalf of the Depositor, we randomly selected a sample of 196 Preliminary Mortgage Loans from the Preliminary Data File (the "Sample Mortgage Loans"). For the purpose of this procedure, the Aspire
 Sponsor, on behalf of the Depositor, did not inform us as to the basis for how they determined the number of Sample Mortgage Loans or the methodology they instructed us to use to select the Sample Mortgage Loans from the Preliminary Data
 File.

For the purpose of the procedures described in this report, the 196 Sample Mortgage Loans are referred to as Sample Mortgage Loan Numbers 1 through 196.

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

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#### Exhibit 1 to Attachment A

#### Page 1 of 6 <br>

#### <br>

#### Sample Characteristics and Source Documents

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| | | |
|:---|:---|:---|
| **Sample Characteristic** | **Preliminary<br> Data File Field Name** | **Source Document(s)** |
|  Loan number | Loan Number | Note |
|  Original principal balance | Original Loan Amount | Note |
|  Original interest rate | Original Interest Rate | Note |
|  First payment date | First Payment Date of Loan | Note |
|  Maturity date | Maturity Date | Note |
|  Original term to maturity | Original Term to Maturity | (a)&nbsp;&nbsp;&nbsp;&nbsp; Note or<br> (b)&nbsp;&nbsp;&nbsp;&nbsp; Note and recalculation |
|  Property state | State | Note |
|  Property zip code | Postal Code | Note |
|  Prepayment charge term | Prepayment Penalty Total Term | (a)&nbsp;&nbsp;&nbsp;&nbsp; Note or<br> (b)&nbsp;&nbsp;&nbsp;&nbsp; Note and recalculation |
|  Interest only term | Original Interest Only Term | (a)&nbsp;&nbsp;&nbsp;&nbsp; Note or<br> (b)&nbsp;&nbsp;&nbsp;&nbsp; Note and recalculation |
|  Index description | Index Type | Note |
|  Gross margin | Gross Margin | Note |
|  Initial fixed rate period | Initial Fixed Rate Period | (a)&nbsp;&nbsp;&nbsp;&nbsp; Note or<br> (b)&nbsp;&nbsp;&nbsp;&nbsp; Note and recalculation |
|  Subsequent interest rate reset period | Subsequent Interest Rate Reset Period | Note |
|  Initial interest rate cap change up | Initial Interest Rate Cap (Change Up) | (a)&nbsp;&nbsp;&nbsp;&nbsp; Note or<br> (b)&nbsp;&nbsp;&nbsp;&nbsp; Note and recalculation |
|  Initial interest rate cap change down | Initial Interest Rate Cap (Change Down) | Note and recalculation |
|  Subsequent interest rate change up | Subsequent Interest Rate (Change Up) | Note |

---

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#### Exhibit 1 to Attachment A

#### Page 2 of 6 <br>

#### <br>

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| | | |
|:---|:---|:---|
|  **Sample Characteristic** | **Preliminary<br> Data File Field Name** | **Source Document(s)** |
|  Subsequent interest rate change down | Subsequent Interest Rate (Change Down) | Note |
|  Maximum interest rate | Lifetime Maximum Rate (Ceiling) | Note |
|  Minimum interest rate | Lifetime Minimum Rate (Floor) | Note |
|  Occupancy status | Occupancy | Application or Underwriting Summary |
|  Sale price (if applicable) | Sales Price | Settlement Statement |
|  Property type | Property Type | Appraisal |
|  Loan purpose | Loan Purpose | Application, Credit Report, Settlement Statement, Underwriting Summary or recalculation |
|  Appraisal value | Original Appraised Property Value | Appraisal<br>|
|  Junior lien balance | Junior Mortgage Balance | Underwriting Summary, Application or Settlement Statement |
|  Original loan-to-value ratio | Original LTV | Recalculation |
|  Combined loan-to-value ratio | Original CLTV | Recalculation |

---

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#### Exhibit 1 to Attachment A

#### Page 3 of 6 <br>

#### <br>

#### Notes :

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For the purpose of comparing the original term to maturity Sample Characteristic for any Sample Mortgage Loan that does not have the original term to maturity specifically stated in the Note, the Aspire Sponsor, on behalf of the Depositor,
 instructed us to use the sum of:

<br> (a) The difference in months between the maturity date and first payment date, both as shown in the Note, and

<br> (b) 1.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. For the purpose of comparing the prepayment charge term Sample Characteristic for any Sample Mortgage Loan that does not have the prepayment charge term specifically stated in the Note, the Aspire Sponsor, on behalf of the Depositor,
 instructed us to use the sum of:

<br> (a) The difference in months between the prepayment premium end date and first payment date, both as shown in the Note, and

<br> (b) 1.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. For the purpose of comparing the interest only term Sample Characteristic for any Sample Mortgage Loan that does not have the interest only term specifically stated in the Note, the Aspire Sponsor, on behalf of the Depositor, instructed us
 to use the sum of:

<br> (a) The difference in months between the interest only end date and first payment date, both as shown in the Note, and

<br> (b) 1.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. The Aspire Sponsor, on behalf of the Depositor, instructed us not to perform any procedures with respect to the:

<br> (a) Index description,

<br> (b) Gross margin,

<br> (c) Initial fixed rate period,

<br> (d) Subsequent interest rate reset period,

<br> (e) Initial interest rate cap change up,

<br> (f) Initial interest rate cap change down,

<br> (g) Subsequent interest rate change up,

<br> (h) Subsequent interest rate change down,

<br> (i) Maximum interest rate and

<br> (j) Minimum interest rate

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

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#### Exhibit 1 to Attachment A

#### Page 4 of 6 <br>

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. For the purpose of comparing the initial fixed rate period Sample Characteristic for any Sample Mortgage Loan with a gross margin value greater than "0.000(%)," as shown in the Note (each, an "ARM Sample Mortgage Loan"), that does not have
 the initial fixed rate period specifically stated in the Note, the Aspire Sponsor, on behalf of the Depositor, instructed us to use the sum of:

<br> (a) The difference in months between the first rate change date and first payment date, both as shown in the Note, and

<br> (b) 1.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. For the purpose of comparing the initial interest rate cap change up Sample Characteristic for any ARM Sample Mortgage Loan that does not have the initial interest rate cap change up specifically stated in the Note, the Aspire Sponsor, on
 behalf of the Depositor, instructed us to use the difference between the:

<br> (a) Initial rate adjustment maximum interest rate and

<br> (b) Original interest rate,

both as shown in the Note.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. For the purpose of comparing the initial interest rate cap change down Sample Characteristic for any ARM Sample Mortgage Loan that does not have the initial interest rate cap change down specifically stated in the Note, the Aspire Sponsor,
 on behalf of the Depositor, instructed us to use the maximum of:

<br> (a) The difference between the:

<br> (1) Original interest rate and

<br> (2) Initial rate adjustment minimum interest rate,

both as shown in the Note, and

(b) 0.000(%).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. For the purpose of comparing the minimum interest rate Sample Characteristic for any ARM Sample Mortgage Loan that does not have the minimum interest rate specifically stated in the Note, the Aspire Sponsor, on behalf of the Depositor,
 instructed us to use the gross margin, as shown in the Note, as the minimum interest rate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. For the purpose of comparing any Sample Characteristic listing the Application as a Source Document for any Sample Mortgage Loan for which the Aspire Sponsor, on behalf of the Depositor, provided more than one Application, the Aspire
 Sponsor, on behalf of the Depositor, instructed us to use the most recent Application as the Source Document.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. For the purpose of comparing the occupancy status Sample Characteristic, the Aspire Sponsor, on behalf of the Depositor, instructed us to note agreement if the value on the Preliminary Data File
 agreed with the corresponding information in at least one of the Source Documents listed for such Sample Characteristic. We performed no procedures to reconcile any differences that may exist relating to the information in the Source
 Documents relating to the occupancy status Sample Characteristic.

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#### Exhibit 1 to Attachment A

#### Page 5 of 6 <br>

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xii. For the purpose of comparing any Sample Characteristic listing the Settlement Statement as a Source Document for any Sample Mortgage Loan for which the Aspire Sponsor, on behalf of the Depositor, provided more than one Settlement
 Statement, the Aspire Sponsor, on behalf of the Depositor, instructed us to use the most recent Settlement Statement as the Source Document.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xiii. For the purpose of comparing any Sample Characteristic listing the Appraisal as a Source Document for any Sample Mortgage Loan for which the Aspire Sponsor, on behalf of the Depositor, provided more than one Appraisal, the Aspire Sponsor,
 on behalf of the Depositor, instructed us to use the Appraisal with the lowest appraisal value as the Source Document.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xiv. For the purpose of comparing the loan purpose Sample Characteristic for any Sample Mortgage Loan with a loan purpose of "First Time Home Purchase" or "Other-than-first-time Home Purchase," as shown on the Preliminary Data File (each,
 a "Purchase Sample Mortgage Loan"), the Aspire Sponsor, on behalf of the Depositor, instructed us to note agreement if the value on the Preliminary Data File agreed with the corresponding information in at least one of the Source Documents
 listed for such Sample Characteristic. We performed no procedures to reconcile any differences that may exist relating to the information in the Source Documents relating to the loan purpose Sample Characteristic for any Purchase Sample
 Mortgage Loan.

For any remaining Sample Mortgage Loan (each, a "Refinanced Sample Mortgage Loan") (except for Sample Mortgage Loan Number 153), the Aspire Sponsor, on behalf of the Depositor, instructed us to calculate the "Amount to Borrower" as the difference between the:

<br> (a) Original principal balance, as shown in the Note, and

<br> (b) Sum of the:

<br> (1) Unpaid principal balance of any previous mortgage loan that is being refinanced, as shown in the Settlement Statement, and

<sup>(2)</sup> Total closing costs relating to the Refinanced Sample Mortgage Loan, as shown in the Settlement Statement.<br>

For any Refinanced Sample Mortgage Loan (except for Sample Mortgage Loan Number 153), the Aspire Sponsor, on behalf of the Depositor, instructed us to note agreement with a loan purpose of:

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

<br> (b) "Refinance – Rate Term" for each remaining Refinanced Sample Mortgage Loan.

For the purpose of comparing the loan purpose Sample Characteristic for Sample Mortgage Loan Number 153, the Aspire Sponsor, on behalf of the Depositor, instructed us to use the Underwriting Summary, as the Source Document.

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#### Exhibit 1 to Attachment A

#### Page 6 of 6 <br>

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xv. For the purpose of comparing the junior lien balance Sample Characteristic, the Aspire Sponsor, on behalf of the Depositor, instructed us to note agreement if the value on the Preliminary Data
 File agreed with the corresponding information in at least one of the Source Documents listed for such Sample Characteristic. We performed no procedures to reconcile any differences that may exist relating to the information in the Source
 Documents relating to the junior lien balance Sample Characteristic.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xvi. The Aspire Sponsor, on behalf of the Depositor, instructed us to use:

<br> (a) For any Purchase Sample Mortgage Loan, the lesser of the (1) appraisal value, as shown in the Appraisal, and (2) sale price, as shown in the Settlement Statement or

<br> (b) For any Refinanced Sample Mortgage Loan, the appraisal value, as shown in the Appraisal,

as the "Value for LTV."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xvii. For the purpose of comparing the original loan-to-value ratio Sample Characteristic, the Aspire Sponsor, on behalf of the Depositor, instructed us to use the quotient (rounded to the fourth decimal place (X.XXXX)) of the:

<br> (a) Original principal balance, as shown in the Note, divided by

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xviii. For the purpose of comparing the combined loan-to-value ratio Sample Characteristic, the Aspire Sponsor, on behalf of the Depositor, instructed us to use the quotient (rounded to the fourth decimal place (X.XXXX)) of the:

<br> (a) Sum of the original principal balance, as shown in the Note, and junior lien balance, as shown in the applicable Source Document(s), divided by

<br> (b) Value for LTV.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xix. For the purpose of comparing the original loan-to-value ratio and combined loan-to-value ratio Sample Characteristics, the Aspire Sponsor, on behalf of the Depositor, instructed us to ignore differences of +/- 0.0001 or less.

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

------

#### Exhibit 2 to Attachment A Page 1 of 2 <br>

#### <br>

#### Sample Characteristic Differences

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| | | | |
|:---|:---|:---|:---|
| **Sample Mortgage<br> Loan Number** | **Sample Characteristic** | **Preliminary Data File Value** | **Source Document Value** |
| 3 | Loan purpose | First Time Home Purchase | Other than First Time Home Purchase |
| 8 | Property type | Condo, Low Rise (4 or fewer stories) | Condo, High Rise (5+ stories) |
| 9 | Property type | 2 Family | 4 Family |
| 10 | Property type | 2 Family | 4 Family |
| 23 | Property type | 2 Family | 4 Family |
| 25 | Sale price (if applicable) | $514900.00 | $514248.30 |
| 26 | Property type | 2 Family | 3 Family |
| 27 | Loan purpose | First Time Home Purchase | Other-than-first-time Home Purchase |
| 28 | Property type | 2 Family | 3 Family |
| 41 | Appraisal value | $160000.00 | $155000.00 |
|  | Original loan-to-value ratio | 0.6936 | 0.7160 |
|  | Combined loan-to-value ratio | 0.6936 | 0.7160 |
| 47 | Property type | Condo, Low Rise (4 or fewer stories) | Condo, High Rise (5+ stories) |
| 53 | Property type | 2 Family | 4 Family |
| 57 | Property type | 2 Family | 4 Family |
| 59 | Loan purpose | Other-than-first-time Home Purchase | First Time Home Purchase |
| 60 | Property type | 2 Family | 3 Family |
| 65 | Property type | 2 Family | 3 Family |
| 88 | Property type | 2 Family | 3 Family |

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#### <br>

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#### Exhibit 2 to Attachment A

#### Page 2 of 2 <br>

#### <br>

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| | | | |
|:---|:---|:---|:---|
| **Sample Mortgage<br> Loan Number** | **Sample Characteristic** | **Preliminary Data File Value** | **Source Document Value** |
| 91 | Property type | 2 Family | 4 Family |
| 100 | Loan purpose | Other-than-first-time Home Purchase | First Time Home Purchase |
| 102 | Loan purpose | Other-than-first-time Home Purchase | First Time Home Purchase |
|  | Property type | Condo, Low Rise (4 or fewer stories) | Condo, High Rise (5+ Stories) |
| 114 | Property type | Condo, Low Rise (4 or fewer stories) | Condo, High Rise (5+ stories) |
| 125 | Property type | 2 Family | 4 Family |
| 132 | Prepayment charge term | 12 | 0 |
| 138 | Initial interest rate cap change up | 1.000% | 5.000% |
|  | Initial interest rate cap change down | 1.000% | 3.750% |
| 157 | Property type | 2 Family | 3 Family |
| 158 | Initial interest rate cap change down | 5.000% | 4.625% |
| 170 | Property type | 2 Family | 4 Family |
| 185 | Property type | 2 Family | 4 Family |
| 192 | Property type | 2 Family | 3 Family |
| 193 | Property type | Single Family Detached<br> &nbsp;&nbsp;&nbsp;&nbsp; (non-PUD) | 3 Family |

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<br>